HDFC Platinum Times Credit Card – An Entertainment Credit Card

Welcome Benefits worth Rs. 5,000

This card provides joining benefits in the form of vouchers worth Rs. 5,000 for shopping, dining, apparel and other category spends. You can get these vouchers only if you activate your credit card within the first 30 days of card opening. This benefit is not available on card renewal after the first year.

This feature is quite remarkable when compared to other similar credit cards as the cardholders get welcome vouchers worth 5 times the card fee. Generally, most credit cards simply match the value of their welcome benefits to their joining fee. For instance, HDFC Millennia or premium cards like SBI Elite both offer gift vouchers equivalent to their annual fee amount as welcome benefits. However, in case of this HDFC Platinum Times credit card, the joining benefit value far exceeds the card fee.

Reward Points

• 10 reward points per Rs. 150 dining spends on weekdays (only for MCCs classified as “Restaurant” by Visa/Mastercard)
• 3 reward points per Rs. 150 spent on other categories

Terms and Conditions on Reward Points

• Validity: 2 years
• Exempted categories: EMIs, e-wallet loading and fuel transactions
• Capping: Up to 2,000 reward points per day can be earned on insurance transactions and up to 1,000 reward points per month on grocery spends

BookMyShow Movie Offer

• 50% off up to Rs. 600 per transaction on BookMyShow movie tickets (max. 4 tickets in a month) 
• One-time offer of Rs. 50 off on food and beverage

Complimentary Memberships

EazyDiner Membership: 6 months membership with up to 15% off on your dining bill on payment via PayEazy.

Times Prime Membership: Annual membership on making at least 1 transaction per calendar quarter. If you are a lifetime free cardholder, then you can avail this Times Prime membership for the first year only.

What is Times Prime membership? Times Prime is a lifestyle membership that comes with exclusive offers and deals related to shopping, travel, dining, entertainment and other similar categories. Through this, you can avail multiple subscriptions and memberships across popular platforms. Discount deals on various brands, including Swiggy, Myntra, Yatra, Chaayos, Uber, etc. are also offered to the members. To avail these offers via Times Prime membership, you can open the Times Prime app and log in to browse the offers. Select the offer you are interested in and click on the ‘Generate Coupon’ button. Use this coupon on the respective platforms to claim the deal.

Value Back on Availing Subscriptions Via Times Prime Membership

Memberships	Duration	Membership Fee Savings
Sony LIV	6 months	Rs. 699
Google One (100 GB)	6 months	Rs. 780
Lenskart Gold	1 year	Rs. 600
Economics Times Prime	3 months	Rs. 999
Audible	2 months	Rs. 398
HealthifyMe	3 months	Rs. 2,000
YouTube Premium	4 months	Rs. 516
Disney+ Hotstar Super	6 months	Rs. 549
EazyDiner Prime	6 months	Rs. 2,190
Netmeds	6 months	Rs. 999
Cultpass LIVE	45 days	Rs. 675
FirstCry Club	3 months	Rs. 369
Total Savings		Rs. 10,774

Other Offers and Benefits

• Discount Offer: Up to 20% off on shopping, select hotel bookings & wellness-related spends via city-wise offers
• Cashback Offer: Up to 5% cashback on utility bills and shopping
• Fuel Surcharge Waiver: 1% waiver of up to Rs. 250 per month on fuel transactions from Rs. 400 to Rs. 4,000
• Renewal Fee Waiver: On annual spends of Rs. 2.5 lakh or more
  

Credit Card Fees	Details
Joining/Annual Fee	Rs. 1,000 + GST
Finance Charges	3.75% p.m. | 45% p.a.
Late Payment Charges	For Statement Balance – Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

Click here to check detailed charges and other terms & conditions applicable on HDFC Bank Platinum Times Credit Card.

Criteria	Details
Nationality	Indian
Age	21 to 60 years (21 to 65 years for self-employed)
Occupation	Salaried or Self-employed
Income	Salaried: Min. Rs. 35,000 per month Self-employed: Min. Rs. 6 lakh per annum
Documents Required	Click here for the list of required documents

Along with your application form, you should also submit valid proof of identity, address and income. Click here for the list of documents.

HDFC Platinum Times Credit Card is the right choice for someone looking specifically for movies and dining benefits. A 50% discount on movie tickets along with 10 reward points per Rs. 150 on weekday dining seems quite a reasonable deal for an annual fee of only Rs. 1,000. However, these are the only two benefits of this card; all the other features are quite basic. The general reward rate is also of 3 points per Rs. 150. So, if you are looking for more comprehensive benefits like flat-rate cashback on all transactions or some travel-focused features, then you should look for other options.

Credit Card	Annual Fee	Comparative Feature
HDFC Platinum Times Credit Card	Rs. 1,000	50% discount on movie tickets | 10 points per Rs. 150 on weekday dining
RBL Popcorn Credit Card	Rs. 1,000	Spend Rs. 5,000 in a month & get Rs. 500 discount on movie tickets
HSBC VISA Platinum Credit Card	Nil	Get up to 15% discount on dining
Kotak PVR Gold Credit Card	Rs. 499	Get up to 2 free movie ticket upon reaching a specific spend milestone

Which one is better HDFC Bank Titanium Times Credit Card or HDFC Bank Platinum Times Credit Card?

The main difference between the two credit cards is the number of reward points that they offer and the annual fees charged. The Titanium Times Credit Card charges an annual fee of only Rs. 500 and waives it if a customer spends Rs. 1.50 Lakh or more. HDFC Bank Platinum Times Credit Card, on the other hand, charges an annual fee of Rs. 1,000 and waives it if a customer spends Rs. 2.50 Lakh or more. We recommend that you read the in-depth comparison of the two credit cards. Click here for the same.

How do I redeem the reward points earned on the Platinum Times Credit Card?

You can redeem the reward points by net banking or through Post. Detailed steps can be found here.

Do I get cashback or Airmiles on the Platinum Times Credit Card?

No, you get reward points only. However, if you want you can convert your reward points into Airmiles. You will get 100 Intermiles for every 1,000  Reward Points.

Can I transfer the balance from my other credit card to HDFC Bank Platinum Times Credit Card?

Yes, you may transfer the outstanding amount on your other bank’s credit card to HDFC Bank Platinum Times Credit Card. The balance transfer processing fee is Rs. 250 or 1% of the Balance transfer amount, whichever is higher.

Can I make international transactions on HDFC Bank Platinum Times Credit Card?

Yes, you can make international transactions on this credit card. You will be charged a mark-up fee which is 3.50% of the amount transacted. This will be applied to the transaction made overseas both retail as well as online. The fee is also applied on transactions made in India where the POS machine is registered in another country, e.g. Duty-Free shops.