HDFC Bank Business Platinum

Charge

• Cash advance fee: 2.5% (Minimum ₹500) of amount withdrawn.
• Charges on revolving credit / finance charge: 3.49% per month (41.88% annually).
• Maximum interest rate on default 3.5% per month (42% annually).
• Card against fixed deposit 1.99% per month (23.88% annually).
• Cross currency mark-up (foreign currency): 3.5% of transaction value.
• Over-limit charges: 2.5% of over limit amount, minimum ₹500.
• Payment return charges: 2% of payment amount, minimum ₹450.
• Late payment charges (excluding Infinia): Nil below ₹100.
• ₹100 (₹100-500).
• ₹400 (₹501-5000).
• ₹500 (₹5001-10000).
• ₹700 (₹750 wef 15 Aug 2017) above ₹10001.
• Cash processing fee: ₹100.
• Rewards redemption fee: ₹75 (₹99 wef 15 Aug 2017) per redemption request.
• Balance transfer processing: 1% of BT amount or ₹250 whichever higher.
• Card re-issuance (lost/stolen/damaged): ₹100.
• Dynamic Currency Conversion (DCC) markup fee revised to 1.75% effective 15th May 2026.
• Card re-issuance revised to ₹199 for non-metal cards effective 15th May 2026.

Verified · MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards) · 2026-08-04 · source

Interest-free period

Up to 50 days interest-free credit period (range 20 to 50 days, subject to scheme and submission of claims by merchant; not applicable if previous balance not cleared in full or cash withdrawn from ATM).

Verified · MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards) · 2026-08-04 · source

Fuel surcharge waiver

• Fuel Surcharge Waiver capped at ₹250 every billing cycle (GST applicable).
• Waived for transactions between ₹400 to ₹5000.
• Waiver capped at 1% of eligible fuel transaction amount.
• GST on fuel surcharge is non-refundable.

Verified · MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards) · 2026-08-04 · source

Redemption value

• Rewards Redemption Fee of ₹75 (₹99 wef 15th August 2017) per redemption request.
• Reward Points valid only for 2 years from date of accumulation.

Verified · MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards) · 2026-08-04 · source

Reward cap

Maximum reward points that can be earned in a statement cycle for Business Platinum is 15,000.

Verified · MITC – Personal Credit Cards (omnibus, English) · 2026-08-04 · source

Reward exclusion

Verified · MITC – Common Credit Card Terms & Conditions (older version, covers Platinum cards) · 2026-08-04 · source

Official terms

https://www.hdfc.bank.in/commercial-credit-cards/business-platinum-credit-card.

Verified · Business Platinum product page · 2026-08-04 · source