Annual Fee
₹299
Rewards/₹100 ⓘ
₹0.50 - ₹0.75
Interest Rate
43.20%
Credit Score
650+
Key Benefits
Up to 1% cashback, lounge access, fuel waiver
Lounge Access
2 domestic lounge visits per quarter via Visa
Eligibility
Business owners, age 21-65, CIBIL 650+
The HDFC Business Platinum Credit Card was a solid entry-level business card offering simple cashback rewards with a very low annual fee. Its 1% cashback on high statement balances and fuel surcharge waiver made it practical for everyday business expenses. However, it has been discontinued for new applications.
Best For
Small business owners and self-employed individuals looking for a simple cashback card with low annual fees.
Not Ideal For
Those seeking premium travel benefits, high reward rates, or new card applications as this card has been discontinued.
visits per quarter
Complimentary domestic airport lounge access via Visa
All Spends
All Spends
International
Redeem your points for cashback, travel, and more
Direct Cashback
Cashback credited to card account within 48 hours of bill generation. Adjusted in next billing.
SmartBuy Flights
Max 50% of booking value redeemable through reward points on SmartBuy
SmartBuy Hotels
Max 50% of booking value redeemable through reward points on SmartBuy
Annual fee waiver of Rs 299 on spending Rs 30,000 in a year
Spend ₹30,000 within 365 days
value
Upgrade to 1% cashback rate when minimum statement balance reaches Rs 50,000
Spend ₹50,000 within 30 days
value
0.5% cashback activated on minimum statement balance of Rs 10,000
Spend ₹10,000 within 30 days
value
See how this card performs in different spending categories compared to other cards.
The HDFC Business Platinum Credit Card is a Visa-powered business credit card that was designed for small business owners and self-employed professionals. It offered a straightforward cashback reward structure, making it easy to earn returns on everyday business expenditures.
Important: HDFC Bank has discontinued new applications for this card. Existing cardholders continue to enjoy all card benefits. If you are looking for a new HDFC business card, consider the BizGrow, BizPower, or BizBlack Metal Edition.
The HDFC Business Platinum Credit Card is an entry-level business credit card from HDFC Bank that provides cashback rewards on retail and international spends. It comes with a modest annual fee of Rs 299, which can be easily waived by meeting a spend threshold of Rs 30,000 per year.
The card offers a tiered cashback structure. You earn 0.5% cashback on all retail spends when your minimum statement balance is Rs 10,000. When the statement balance reaches Rs 50,000 or more, the cashback rate increases to 1%. Cashback is credited to your card account within 48 hours of bill generation.
A flat 1% cashback is offered on international spends of Rs 10,000 or more in each statement cycle, making it useful for businesses with overseas transactions.
Enjoy complimentary domestic airport lounge access at various airports across India through Visa benefits, with up to 2 complimentary visits per quarter.
The 1% fuel surcharge is waived on fuel transactions between Rs 400 and Rs 5,000, with a maximum waiver of Rs 500 per statement cycle. GST on fuel surcharge is non-refundable.
The card supports SmartPay for utility bill payments with standing instructions, Register&Pay for electricity and telephone bills, PayNow for instant online payments, and Visa Bill Pay for secure online bill settlements.
The HDFC Business Platinum Credit Card provides complimentary domestic airport lounge access through Visa benefits.
Guest visits are not included in the complimentary quota and may be charged separately.
The HDFC Business Platinum Credit Card uses a direct cashback model rather than a points-based system, making rewards simple and transparent.
Cashback is credited to the card account within 48 hours of bill generation and is adjusted against the next statement balance. Note that cashback credits are not considered as payment for the previous statement.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs 299 |
| Annual Fee | Rs 299 (waived on Rs 30,000 annual spend) |
| Cash Advance | 2.5% or Rs 500, whichever is higher |
| Late Payment | Rs 100 to Rs 1,300 (based on statement balance) |
| Over Limit | 2.5% of overlimit amount, min Rs 550 |
| Forex Markup | 3.5% cross currency markup |
| Card Replacement | Rs 100 |
| Cheque Return | 2% of payment, min Rs 450 |
| Reward Redemption | Rs 99 per request (free for cashback) |
| Railway Ticket | 1% of transaction + GST |
| Cash Processing | Rs 100 (branch/ATM payments) |
| Balance Transfer | 1% or Rs 250, whichever is higher |
| Statement Copy | Rs 10 per duplicate statement |
| Interest Rate | 3.6% per month (43.2% per annum) |
| GST | 18% on all fees and charges |
New applications for the HDFC Business Platinum Credit Card have been discontinued. The eligibility criteria listed above are for reference only. Existing cardholders continue to enjoy all benefits.
This card has been discontinued for new applications. HDFC Bank has stopped sourcing new applicants for the Business Platinum Credit Card. Existing cardholders will continue to receive all benefits.
If you are looking for a new HDFC business credit card, consider these alternatives:
The HDFC Business Platinum Credit Card was a solid entry-level business card that offered simple cashback rewards with minimal complexity. Its 1% cashback on high statement balances, combined with domestic lounge access and fuel surcharge waivers, made it a practical choice for small business owners managing everyday expenses.
However, since HDFC Bank has discontinued new applications for this card, business owners looking for similar benefits should consider the HDFC BizGrow or BizFirst cards, which offer comparable or better rewards at slightly higher annual fees. Existing Business Platinum cardholders can continue to enjoy all benefits and may also be offered upgrades to newer business card variants by the bank.
Last updated: 1 February 2026
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