HDFC Bank Central Travel Account Credit Card

The HDFC Bank Central Travel Account credit card is among the top travel credit cards offered by the bank under its category of Commercial Credit Card. With this HDFC credit card, you can have a centralized system for approval and payment for all your hotel bookings, flight bookings and other travel services eliminating multiple invoices. The bank, with this card, provides you with one consolidated statement with data of every transaction made.

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Key Highlights of HDFC Bank Central Travel Account Credit Card

  1. The Central Travel Account is a one-stop shop for all your hotel, flight and other travel bookings, and payments.
  2. All day access to customized Management Information System (MIS) reports.
  3. No facility for cash withdrawal.
  4. Increased savings due to longer payment durations.
  5. Eliminates the need for multiple invoices and reimbursements.

Features and Benefits of HDFC Central Travel Account Credit Card

  1. The Central Travel Account allows centralized approval and payment for all travel bookings.
  2. The net fare charged by Airlines will be directly debited to your card.
  3. Cardholders will have 24/7 access to customized MIS reports for a better understanding of business.
  4. Reports with details of spending analysis by category and other expense reports available with the card.
  5. Access to reports with the break-up of airline, hotel, and merchant transactions.
  6. Increased savings for your business through better negotiations with hotel chains, airlines, etc.
  7. Streamlining of accounting procedures through consolidating transaction data from around the world.
  8. Integration with corporate ERP systems.
  9. Minimal paperwork and simplifying reconciliation and compliance tasks.
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Fees and Charges on the HDFC Central Travel Account Credit Card

Type of Charge

Amount

Joining Fee

Nil

Interest-Free Credit Period

50 days

Payment Charges on Utility Card

0.7% of the total payment value for electricity payments.

Nil for other types of payments.

Charges for Non-Payment

1.50% per month from the date of transaction

Cash Processing Fee

1% additional fee on purchase, utility, CTA and dealer card dues.

Minimum Repayment Amount

100% of the Previous Statement Balance

Reissue of card

Rs.100

Payment Return Fee

2% of the amount subjected to a minimum of RS.450.

Late Payment Charges

Nil

Fuel Transaction Charges

Surcharge value varies between Rs.1% and 2.5% of the transaction amount.

Outstation Cheque Processing Charges

Cheque value up to Rs.5,000 - Rs.25 will be the fee

Cheque value of over Rs.5,000 - Fee charged is Rs.50.

Foreign Currency Markup

Cross Currency markup is 3.5%

Retrieval Fee (Charge slip)

Rs.125 per charge slip.

Railway Ticket Purchase Fee

HDFC Bank Payment Gateway - 1.8% plus GST

Other Bank payment gateway - Rate as per IRCTC website.

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Eligibility of the HDFC Bank Central Travel Account Credit Card

  1. The applicant must be above the age of 18.
  2. He or she must be an Indian citizen.
  3. The age of the add-on credit cardholder must be above the age of 15 years.

Documents Required for the HDFC Central Travel Account Credit Card

  1. Copy of PAN card or Form 60.
  2. Card application form which is duly filled.
  3. Income proof which can be Form 16, latest pay slips, IT return copy, etc.
  4. Passport size colour photographs of the applicant.
  5. Identity proof such as driving licence, PAN or Aadhaar Card, etc.
  6. Residence proof such as Ration Card, electricity bill, Passport, Aadhaar, etc.

FAQs on HDFC Central Travel Account Credit Card

  • How to apply for the HDFC Bank Central Travel Account credit card?

    Individuals can apply for their HDFC Bank Central Travel Account through the HDFC Bank website or by visiting a branch of HDFC Bank.

  • How can individuals find out the status of their application for the Central Travel Account credit card?

    In order to find out the status of their HDFC Bank Central Travel Account credit card application, individuals will have to log on to the HDFC Bank website and visit the credit card page and click on 'cc_track' option. Relevant details will have to be provided.

  • What are the applicable over limit charges?

    The charges applicable are 2.5% of the amount that is over limit with a minimum of Rs.500 to be paid.

  • What is the cash advance fee that is charged?

    2.5% on the amount that is withdrawn will be charged. The minimum amount that is charged is Rs.300.

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