HDFC Bank Platinum Plus Credit Card

Card Details

Earn 2 Reward Points on every ₹150 for spends up to ₹50,000 per statement cycle.
Earn 3 Reward Points for incremental spends above ₹50,000 in a statement cycle.
Get up to 3 free Add-on cards.
Earn upto 1,200 Reward Points or more in a year and save upto ₹1,500 in a year on your fuel transactions.
Zero Lost Card liability post reporting card loss to bank.

Pros	Cons
Free Supplementary Cards Zero Lost Card liability Get loan against the card	No reward points on purchase of fuel products No reward points on spend of less than ₹150 No annual fee waiver

Annual fee: 399
First Year Fee: 399
Grace Period: upto 50 days
Min Repayment Amount: 5% of outstanding balance, subject to min ₹200
Cash Advance Limit: 40% of the credit limit
Add-on Card Fee: Lifetime free (upto 3 cards)
Revolving Credit Charges: 3.49% per month (41.88% p.a.)
Cash Advance Fee: 2.5% of amount withdrawn or ₹300, whichever is higher
Overlimit charges: 2.5% of overlimit amount, subject to min ₹500
Rewards Redemption fee: ₹75 per redemption request
Balance Transfer fee: 2% of balance transfer amount or ₹250, whichever is higher
Fuel Surcharge: 2.5% of fuel transaction, waived off on purchase of ₹400 to ₹5,000, capped at ₹250 per statement cycle. Subject to min ₹10
Railway Ticket Purchase fee: ₹30 + 2.5% of transaction amount
Card Replacement: ₹100
Foreign Currency Transactions: Cross Currency Mark-up of 3.5%

Earn 2 Reward Points on every ₹150 for spends up to ₹50,000 per statement cycle.
3 Reward Points for incremental spends above ₹50,000 in a statement cycle.

500 Bonus Reward Points on 1st International transaction. This feature is available once in a year.
1% Cashback on all International transactions (upto ₹1,000/- per statement cycle).
Get ₹2,000/- with ClearTrip voucher once you accumulate International spends of ₹1,50,000/- in a year. This feature is available once in a year.
Annual / Renewal Fee – ₹199