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CREDIT CARD DETAIL HDFC Platinum Plus Credit Card Card Highlights Card Class Platinum/Titanium Card Type Premium Issuer HDFC Bank Offered Type MasterCard, Visa Rewards Lifestyle Main Features Discounts at over 28,000 hotels and resorts worldwide 5% Cashback on Airline Bookings through HRG-SITA Worldwide Concierge Services Accelerated Rewards Program - earn as you spend 0% Fuel surcharge Balance Transfer - enjoy an interest-free period of 3 whole months on the transferred amount. Utility bills through your credit card  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 2.95% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 3 month Interest Rate 0% per month Min.: Rs 100 per month (Enjoy an interest-free period of 3 whole months on the transferred amount. Balance Transfer on EMI processing Charges 1.5% of BT amount or Rs 150 whichever is higher}  Fees & charges   Fees & charges Joining Fee Communicated at the time of applying for card. Annual Fee Rs. 3999 Add On Card Fee Free Cash Advance Limit 50% of credit limit Finance charges on cash advances /extended credit 2.5% on amount withdrawn or Rs 300/- whichever is higher. Penalty Interest Rate Interest rate of 2.95% per month. w.e.f 3rd Mar'08 Late Payment Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000.* Free Credit Period Min.: 20 days Max.: 55 days Minimum Amount Due 5% subject to a minimum of Rs 200 Over Limit Charges 2.50% of overlimit amount subject to a minimum of Rs 500 Cheque Bounce Fee Min.: Rs 100 Return of Cheque Fee Min.: Rs 100 Outstation Cheque Processing Fee Rs 100 Replacement Card Charges Rs 100 Charge Slip Request Rs. 125 per Chargeslip Air/Railway Booking Comment Rs 30 + 2.5% of transaction amount Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits 2 reward points per Rs.150 spent.. For more info. Click Here  Airline   Airline: Bookings Agent HRG-Sita Airline Travel Benefits Get 5% Cashback when you book your domestic air tickets for India's top airlines (Indian, Jet Airways, Air Sahara and Kingfisher Airlines) through HRG-Sita.  Cash Back   Cash Back: Cash Back (Preferred Partner) Get 5% Cashback when you book your domestic air tickets for India's top airlines (Air India, Jet Airways, Air Sahara and Kingfisher Airlines) through HRG-Sita.  Health   Health: Hospitalization Benefits Yes Description (Hospitalization Benefits) You are covered for an accident hospitalization insurance of Rs 1 lakh.  Hotel   Hotel: Booking Discount Yes Description (Booking Discount) Enjoy discounts at over 28000 hotels and resorts across the world through a complimentary Travel Club holiday membership (powered by RCI).  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service Yes A toll free service to assist your needs any time during the day. The offering allows you to avail of the following benefits : - Golf Course Referral and Reservation - Car Rentals, Limousine Referral and Reservation - Hotel Referral and Reservation - Special Events and Performance Assistance - Flowers and Gift Delivery Service - Dining Referral and Reservation Service - Movie Tickets delivery - Estate / Tax Planning referral Service - Pretrip Information Services (including visas and inoculation requirements) - Embassy Referrals - Lost Luggage Assistance - Lost Passport Assistance All these services available to you any time, any where. Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility No Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 23 million merchant establishments No. of ATMs (India) 110,000 merchant establishments Insurance: Air Accident 10000000 Other Accident 200000 Hospitalization Benefits Yes  Special Offers   Special Offers Offers and Deals  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Live in Style - Lifestyle credit cards Free insurance policies with credit cards Is the economy facing a debt trap? Can we claim tax benefits on home loan and... Importance of reviewing your credit report