# HDFC Bank Platinum Times Credit Card MasterCard

**Best for:** Frequent grocery and utility spenders

**Think twice if:** Low spenders or infrequent users

**Key strengths:** Earn 3 Reward Points on groceries · Welcome benefit of Rs.5000 voucher · Fee waiver with Rs.2.5 Lakhs spend

## Fees

- **Joining Fee:** Joining Fee of Rs.1000
- **Annual Fee:** Renewal Fee of Rs.1000
- **Fee Waiver:** Spend Rs.2.5 Lakhs For Renewal Fee Waiver
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 3 Reward Points For Every Rs.150 on Utility
- **Welcome Benefit:** Complimentary Annual Times Prime Membership

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