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Premium Decision Grade Catalog
HDFC BANK LTD
HDFC Bank Business Platinum Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium business card with cashback on retail and international spends, airport lounge access and fuel benefits (Note: This card has been phased out)
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Basic business credit card
Highlight 2
Fuel surcharge waiver capped at ₹500 every billing cycle
Highlight 3
Foreign currency markup of 3.5%
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹299
The front-loaded charge when you apply.
Annual fee
₹299
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹299100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"Unlimited station access"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Top choice for HPCL users due to 20X fuel rewards (up to 6.50% total benefit) and surcharge waiver. Good lounge access for modest spenders."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: ₹3,000 travel voucher
- Base Rate: 1% cashback on all non-EMI spends (up to ₹500/month)
- Accelerated Rewards Program: 5% Myntra cashback
- Insurance: ₹10L fraud cover
Cons
- Travel (Hotels & Other): Unlimited station access
- Dining: 2X RP partner restaurants
- Other Features: Same as SELECT card features
- Expert Opinion: Top choice for HPCL users due to 20X fuel rewards (up to 6.50% total benefit) and surcharge waiver. Good lounge access for modest spenders.
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Customer Reviews
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