HDFC Platinum Times Credit Card: Ek Shandar Card Movie Buffs aur Foodies ke Liye!
Agar aap ek aise credit card ki talash mein hain jo aapke entertainment aur lifestyle ko aur bhi mazedaar bana de, toh "HDFC Platinum Times Credit Card" aapke liye perfect hai! Yeh card specially movie lovers aur foodies ke liye design kiya gaya hai, jo movies, dining, aur shopping par amazing discounts aur rewards deta hai. Is article mein hum aapko is card ke features, benefits, apply kaise karna hai, aur eligibility ke baare mein sab kuch batayenge, Hinglish mein, taaki aapko samajhna easy ho! Chaliye shuru karte hain!
HDFC Platinum Times Credit Card Kya Hai?
HDFC Platinum Times Credit Card ek co-branded credit card hai, jo HDFC Bank aur Times Internet ke collaboration se launch kiya gaya hai. Yeh card entertainment aur lifestyle ke shauqeen logon ke liye hai, jinhen movies dekhna, restaurants mein khana, aur shopping karna pasand hai. Is card ke saath aap amazing discounts, reward points, aur exclusive offers ka maza le sakte hain.
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Key Features of HDFC Platinum Times Credit Card
Movie Discounts: BookMyShow par movie tickets book karne par 50% discount (max Rs. 600 per transaction). Har mahine 4 discounted tickets mil sakti hain.
Dining Offers: Weekdays (Monday to Friday) par dining par har Rs. 150 ke kharch par 10 reward points. Plus, PayEazy via EazyDiner par 15% discount (max Rs. 1,500).
Shopping aur Lifestyle: Online aur offline shopping, wellness, aur hotel stays par up to 20% discount.
Times Prime Membership: Card activate karne ke baad 3 transactions karne par complimentary Times Prime annual membership (worth Rs. 999), jisme SonyLiv, Gaana Plus, TOI+, aur aur bhi brands ke offers hain.
Reward Points: Har Rs. 150 ke kharch par 3 reward points, jo 2 saal tak valid rehte hain.
Fuel Surcharge Waiver: Rs. 400 se Rs. 4,000 ke fuel transactions par 1% surcharge waiver (max Rs. 500 per month).
Contactless Payments: Fast aur secure payments ke liye card contactless hai (max Rs. 5,000 per transaction bina PIN ke).
HDFC Platinum Times Credit Card ke Benefits
Yeh card aapke lifestyle ko aur bhi exciting banata hai. Chaliye dekhte hain iske kuch top benefits:
Welcome Vouchers: Card activate karne ke 30 din ke andar aapko Rs. 5,000 ke vouchers milte hain, jo shopping, dining, aur apparel categories ke liye hote hain. Yeh joining fee (Rs. 1,000) se 5x value deta hai!
Annual Fee Waiver: Agar aap ek saal mein Rs. 2.5 lakh ya usse zyada kharch karte hain, toh next year ka annual fee (Rs. 1,000 + GST) waive ho jata hai.
Zero Liability on Fraud: Agar card kho jata hai ya misuse hota hai, toh turant report karne par aapko koi liability nahi leni padti.
Reward Redemption: Reward points ko HDFC Rewards Catalogue se products, gift vouchers, ya cashback ke liye redeem kar sakte hain.
EazyDiner Membership: 6 months ka complimentary EazyDiner membership, jisme premium restaurants par 25-50% discount aur 2x EazyPoints milte hain.
HDFC Platinum Times Credit Card ke liye Kaise Apply Karein?
HDFC Platinum Times Credit Card ke liye apply karna bahut hi asaan hai. Aap online ya offline dono tareeke se apply kar sakte hain. Niche step-by-step process diya hai:
Online Application Process
1. Visit HDFC Bank Website: HDFC Bank ke official website (www.hdfcbank.com) par jayein aur “Credit Cards” section mein jayein.
2. Select Platinum Times Card: “Featured Cards” category mein HDFC Platinum Times Credit Card select karein.
3. Check Eligibility: Apni basic details (name, phone number, income) daal kar eligibility check karein.
4. Fill Application Form: Online form mein personal, professional, aur financial details bhar dein.
5. Upload Documents: Required documents (ID proof, address proof, income proof) upload karein.
6. Submit Application: Form submit karein aur OTP verify karein. Bank aapki application review karega aur approval status batayega.
7. Track Application: Application status ko NetBanking ya HDFC customer care se track kar sakte hain.
Offline Application Process
- Nearest HDFC Bank branch visit karein.
- Credit card application form bhar dein.
- Required documents jama karein.
- Bank aapki application process karega aur card approval ke baad deliver karega.
Important Documents for HDFC Platinum Times Credit Card
Card ke liye apply karte waqt aapko kuch documents submit karne honge. Yeh documents KYC aur income verification ke liye zaroori hain:
- Identity Proof: PAN Card, Aadhaar Card, Passport, Driving License, ya Voter ID (koi ek).
- Address Proof: Aadhaar Card, Passport, Utility Bill (electricity/telephone), ya Ration Card (koi ek).
- Income Proof: Salaried ke liye latest 3 months’ salary slips ya bank statement, aur self-employed ke liye latest ITR (Income Tax Return) with computation of income.
- Photograph: Recent passport-size photograph.
- PAN Card Copy: Mandatory for KYC.
Eligibility Criteria for HDFC Platinum Times Credit Card
HDFC Platinum Times Credit Card ke liye aapko kuch eligibility criteria meet karne honge:
Age:
- Salaried: 21 to 60 years
- Self-employed: 21 to 65 years
Income:
- Salaried: Minimum Rs. 35,000 net monthly income
- Self-employed: Minimum Rs. 6 lakh annual income (ITR-based)
Nationality:
- Indian citizen ya Non-Resident Indian (NRI).
Credit Score:
- Good credit score (750+) recommended for higher approval chances.
Employment:
- Stable job ya business with consistent income.
Fees and Charges of HDFC Platinum Times Credit Card
Card ke saath kuch fees aur charges bhi hote hain, jinke baare mein jaan lena zaroori hai:
Joining Fee: Rs. 1,000 + GST
Annual Fee: Rs. 1,000 + GST (waived on Rs. 2.5 lakh annual spend)
Interest Rate: 3.49% monthly (41.88% annually)
Cash Withdrawal Fee: 2.5% of the withdrawn amount (minimum Rs. 500)
Foreign Currency Markup Fee: 3.5% + GST
Reward Redemption Fee: Rs. 99 + GST per redemption request
Why Choose HDFC Platinum Times Credit Card?
Yeh card un logon ke liye best hai jo apne entertainment aur dining expenses par savings karna chahte hain. Niche kuch reasons hain ki aapko yeh card kyun lena chahiye:
- Affordable joining aur annual fee ke saath high-value welcome vouchers.
- Movie aur dining par generous discounts.
- Times Prime membership ke saath premium OTT aur lifestyle benefits.
- Contactless payments aur zero fraud liability ke saath security.
- Reward points jo easily redeem ho sakte hain.
FAQs About HDFC Platinum Times Credit Card
1. HDFC Platinum Times Credit Card ki membership fee kya hai?
Jawab: Is card ki joining aur annual fee Rs. 1,000 + GST hai. Agar aap ek saal mein Rs. 2.5 lakh kharch karte hain, toh annual fee waive ho jati hai.
2. Is card ke reward points ki validity kya hai?
Jawab: Reward points 2 saal (24 months) tak valid hote hain from the date of accrual.
3. Kya yeh card online transactions ke liye use ho sakta hai?
Jawab: Haan, yeh card MasterCard SecureCode ke saath online transactions ke liye safe hai.
4. Welcome vouchers kaise mileinge?
Jawab: Card activate karne ke 30 din ke andar vouchers aapke registered email ID par bhej diye jayenge. Aap www.hdfcbank.timescard.com par bhi check kar sakte hain.
5. Kya is card se cash withdraw kar sakte hain?
Jawab: Haan, aap apne cash withdrawal limit tak cash nikal sakte hain, lekin is par 2.5% fee (minimum Rs. 500) aur 3.49% monthly interest lagta hai.
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- Fuel surcharge waiver HDFC
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Questions with Perfect Answers
Q1: HDFC Platinum Times Credit Card ka credit limit kitna hota hai?
Ans: Credit limit aapke credit score, income, aur financial profile par depend karta hai. Generally, is card ka minimum limit Rs. 25,000 aur maximum Rs. 1.5-2 lakh tak ho sakta hai. Approval ke baad bank aapko final limit batayega.
Q2: Kya yeh card international transactions ke liye use kar sakte hain?
Ans: Haan, yeh card international transactions ke liye valid hai, lekin 3.5% foreign currency markup fee + GST lagta hai. Card ko international use ke liye NetBanking se enable karna padta hai.
Q3: Times Prime membership kaise activate hogi?
Ans: Card activate hone ke baad ek calendar quarter mein 3 transactions karne par Times Prime membership (worth Rs. 999) automatically activate ho jati hai. Aapko email ya SMS se details milenge.
Q4: Kya is card par add-on card mil sakta hai?
Ans: Haan, aap HDFC Platinum Times Credit Card par up to 3 add-on cards le sakte hain, aur inka lifetime fee waived hota hai.
Q5: Reward points kaise redeem karte hain?
Ans: Reward points redeem karne ke liye HDFC NetBanking mein login karein, “Credit Cards” section mein jayein, aur “Redeem Reward Points” par click karein. Aap points ko Rewards Catalogue se products, vouchers, ya cashback ke liye redeem kar sakte hain.
Final Thoughts
HDFC Platinum Times Credit Card ek aisa card hai jo entertainment aur lifestyle ke shauqeen logon ke liye perfect hai. Iske movie discounts, dining offers, aur Times Prime membership jaise benefits isse ek value-for-money option banate hain. Agar aap ek affordable aur rewarding credit card chahte hain, toh yeh card zaroor consider karein. Bas eligibility check karein, documents ready rakhein, aur aaj hi apply karein!
Kya aap is card ke liye apply karne ka soch rahe hain? Apne thoughts ya questions niche comment mein share karein, hum aapki help karenge!
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