By: OurMoneyGuide || Last updated on: May 7, 2024

HDFC Bank Times Platinum Credit Card is a co-branded card issued by HDFC Bank, in partnership with the Times of India Group, one of India’s largest media and entertainment group.

You numerous partner benefits through the Times Prime membership, besides other card benefits.

Pros & Cons of HDFC Bank Times Platinum Credit Card


  • Good card for those who like Time Prime membership. You get access to a host of partner offers through this membership. Times Group is one of India’s largest media companies, hence they have good partner tie-ups
  • Movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership


  • You will be restricted primarily to partners with whom Times ties up, and hence may limit your choices to earn rewards

Features & Benefits of the HDFC Bank Times Platinum Credit Card

Complimentary Times Prime membership worth ~ ₹1000

You get a free Times Prime membership. The membership remains valid if you conduct at least 1 card transaction each quarter. Benefits include-

✔︎ Complimentary membership & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

✔︎ 15% discount (upto ₹1500), on Eazydiner via PayEazy : You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail the 15% PayEazy discount.

✔︎ 6 month complimentary Eazydiner membership : With this membership, you get 25%-50% discount at leading bars & restaurants. 

✔︎ Upto 20% discount (online & offline) at select partners, through Times Card WebApp : You get offers across shopping, wellness, hotel stays and more, and also city wise offers based offers every single day.

For more details, please click here.

50% discount on movie tickets, upto ₹600 per month || ₹50 discount per month on food & beverages – via BookMyShow

You get a maximum discount of ₹600 per month, and on a maximum of 4 discounted tickets per month – on movie tickets via BookMyShow. 

The ₹50 food & beverage discount can be availed once per month. For more details, please click here.

3.3X rewards on weekday dining spends

You earn 10 reward points, on every ₹150 you spend on weekday dining at standalone restaurants. And 3 reward points, on every ₹150 you spend on all other card spends. 

No reward points are given on wallet loads, EMI transactions, fuel spends.

Fuel surcharge waiver upto ₹250 per month

You get 1% fuel surcharge waiver at all fuel stations, only on fuel transactions between ₹400 and ₹4000. And only on fuel spends upto ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).

Upto 10% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases of ₹20,000 per month.

Applicable categories and partners
5% cashback on travel spends, through HDFC Smartbuy✓ Flight bookings
✓ Hotel bookings
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
✓ MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC SmartbuyGift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
5% cashback at select partners, through HDFC Smartbuy✓ Myntra
✓ Jockey
✓ Apple Imagine Tresor
✓ Nykaa
✓ Zoom Car
10% cashback at select partners, through HDFC Smartbuy✓ Pharmeasy
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a month

This offer is valid 2 times per month. Minimum order amount required to avail this offer is ₹2000. Payments need to be made through the Swiggy app. 

You get 7.50% discount (upto ₹250 per order) at restaurants. Hence you get a 7.50% discount on orders between ₹2000 and ₹3333. On orders above ₹3333, your discount percentage will fall below 7.50%. For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.

HDFC Bank customer care number

Please click here to see details on all options available – HDFC Bank Customer Care Details

Zero lost card liability

In the unfortunate event of losing your HDFC Credit Card, you should report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.

HDFC Bank Times Platinum Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹1000Welcome offers
– You get welcome vouchers worth ₹5000 across shopping, apparel, dining and more.
– You also get a complimentary Times Prime membership worth approximately ₹1000
Renewal fee from 2nd year onwards₹1000Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹2.50 lakh or more in the previous year.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried – 60 years
Self employed – 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : Net monthly income of ₹35,000 per month || Self-employed : ₹6 lakhs per year
Credit scoreNot specified, credit score of 750 or more is generally preferred

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit your application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Tracking your application statusClick here to track the status of your HDFC Bank Credit Card application.

You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax returns

You maybe required to provide additional documents, on a case-to-case basis.