The HDFC Platinum Times Mastercard has a ₹1,000 annual fee (waived on ₹2.5 lakh annual spend), earns 5% Cashback on Utility Bills (3 Reward Points For Every ₹200 Spent) and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹2.5 lakh annual spend |
| Top reward rate | 5% Cashback on Utility Bills |
| Base rewards | 3 Reward Points For Every ₹200 Spent |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
191 online offers across 85 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Croma: Rs.14000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Mastercard network offers, so they apply to every HDFC Bank Mastercard card, not just this one. All HDFC Bank offers by category.
More about the HDFC Bank Platinum Times Credit Card MasterCard
Is the HDFC Bank Platinum Times Credit Card MasterCard worth it in 2026?
The HDFC Bank Platinum Times Credit Card MasterCard offers a joining and renewal fee of Rs.1000 each, with a renewal fee waiver on spending Rs.2.5 Lakhs annually. It provides 5% cashback on utility bills and up to 5% cashback on shopping via SmartBuy, making it valuable for regular spenders.
Who should get the HDFC Bank Platinum Times Credit Card MasterCard?
This card is ideal for users who frequently pay utility bills and shop online via SmartBuy, as it offers 5% cashback on these spends. It's also suitable for those who spend at least Rs.2.5 Lakhs annually to avail the renewal fee waiver.
How to maximise rewards on the HDFC Bank Platinum Times Credit Card MasterCard?
To maximise rewards, use the card for utility bill payments to earn 5% cashback and shop through SmartBuy for up to 5% cashback. Additionally, earn 3 reward points for every Rs.200 spent on other purchases.
Best fuel stations for the HDFC Bank Platinum Times Credit Card MasterCard?
The card offers a 1% fuel surcharge waiver on fuel transactions. While specific fuel stations are not listed, using the card at any fuel station will help save on the surcharge.