A business credit card that can be used for a variety of purposes, the HDFC Purchase Card can be used to make vendor payments, help you track and manage your spending, and helps you improve manpower productivity among others.
The points you earn on your card can be redeemed for vouchers. For any redemption, you require a minimum of 2,500 points.
Fess and Charges on the HDFC Purchase Card
Fees and Charges
Interest-free credit period
Up to 45 days
Minimum repayment amount
100% of the statement balance
Re-issue of damaged or lost card
Non-payment penal charges
2.95% per month from the date of transaction
Charges for late payment
- Less than Rs.100: Nil
- Rs.100 to Rs.500: Rs.100
- Rs.501 to Rs.5,000: Rs.500
- Rs.5,001 to Rs.10,000: Rs.600
- Rs.10,001 to Rs.25,000: Rs.800
- Greater than Rs.25,000: Rs.950
Foreign currency transactions
A markup of 3.5% of the transaction amount
Processing charges for outstation cheques
- Up to Rs.5,000: Rs.25 fee per instrument
- Above Rs.5,000: Rs.50 fee per instrument
The eligibility criteria are as follows:
The business that you are a part of must be at least five years old.
The business must have made profits for at least the last two years.
Rs 100 crore should be the minimum turnover of the business.
Frequently Asked Questions:
How do I update the address on my credit card?
You can update your address via any of the following methods:
Online: By logging into the HDFC Bank Corporate Portal.
Write: You can download, fill, and send it to the following address:
Manager, HDFC Bank Cards Division
P.O. Box No. 8654
Chennai 600 041
How do I check the status of my Purchase Card application?
You can check the status of your Purchase Card application on the official website of the bank. You will need the application reference number, your date of birth, and your mobile number to determine the status of your application.
Can I convert my reward points to cashback?
You can convert your reward points to cashback by requesting the bank to do so. You can send the request form to P.O. Box Credit Card Division.
Does the card have fuel surcharge?
Yes. This fuel surcharge can vary from 1% to 2.5% of the fuel transaction amount. The amount you end up paying as surcharge depends on the fuel station and their bank.
What is the payment due date for my Purchase Card?
The payment due date for your purchase card is 15 days after the statement date
*GST rate of 18% is applicable on all financial services effective July 1, 2017
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I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
Even if I forget to convert EMI conversion for the usage of my card, HDFC banker use to contact me to remain for this option. I have been using this card for more than 2 years. Since i applied a bike loan at that time I got this card offer direct from bank. The credit limit of 30K at initial now they enhanced up to 60K. It is a life time free card. They provide movie ticket offer but I didn't prefer. The customer service is good and they make to understand on easy.
I am using HDFC credit card for the last 4 years. The service is good and have not face any issues.The credit limit is sufficient, it was for 85000 rupees. I used this card for shopping and many other purposes. I pay my credit card bill through on-line.I want to use HDFC mobile app but there is no QR code in the card, it will be more nice if I can get the QR code so that I will be able to use their app.
Choosing HDFC credit card is a good decision which i have made because the customer service is very good, they always respond without any delay. I used this card for bill payment and Dmart, I have got a reward points but have not redeem it.The best part is that this card is an international card.
Being with HDFC bank for credit card is very nice, I have been using the card form 2 years i got a life time free card.Used the card for purchases,shopping, on line payment and mobile banking is function well but the interest rate is up to 22% which is very high so i wish the bank ca improve on that.
The best part about HDFC credit card is that the credit limit used to increase at a very fast rate, the offer is also good.The agent came and collect the documents and i got my card in very short time. I used this card for shopping,on line payment,fuel surcharge and groceries but I am not using this card for money transfer purposes.
I am holding HDFC credit card for one year.This card have an EMI conversion for 1000 rupees and a credit limit of 50000.The card is very useful for on line shopping,fuel surcharge, bill payment and on line banking it also have a reward points but I don't know exactly how much.
I am using HDFC Bank Titanium Times credit card almost 2 years. One of my coleuge using this card he recommended me, so i applied this card and the process was very smooth. Reward points can purchase anything and they given a sufficient credit limit. Customer service was good because they always helping tendency.
I am happy with offers for credit card which was offered from HDFC Bank. They are good as I get reward points of benefit and the limit is also to my expectations Rs. 2,25,000. The customer support and response are prompt and helpful. I use this card for some purpose.
I have been using HDFC Bank Millennia credit card more than 7- 8 years. I am getting 2 international and 8 domestic airport lounge access and i have utilized that recently. Credit limit is Rs. 2.26L apart from this i am using this card for utility bill payment scheduled bill and for groceries. Initially i have titanium card after regalia this card has been upgraded recently.I feel the rate of interest was so high.
I have HDFC credit card which was availed through online. I am using this card for the past 6 years .This was a free card and a money back card. For shopping will get discounts which is pretty good and movie ticket offers are there customer service is also good and getting proper response if need any assistance everything was good and so far not faced any difficulties.
I am using HDFC bank credit card which was taken through bank .I am having this credit card for the past2 years,i am getting one plus one movie ticket offers ,airport lounge access is there ,converting emi option is there chargeable cad need to pay 500.I am happy with the service so far on utilising .
I have applied HDFC Bank Platinum credit card I never use this bank application. Since 2012 i am using this card, recently it got upgraded. They given a sufficient credit limit of Rs. 5,00,00 and this is a life time free card and i am happy with their service.
I am using HDFC credit card for 7 months,its a perfect card and I have not faced any issue while using the card, I used the card mostly for shopping.The credit limit of the card is 80,000 and i don't know about the reward points because i have not check it. Customer service is excellent I am satisfied with the card. But there is one thing i would like to suggest is to create a online app which will be helpful for net banking.
I am using HDFC Regalia card been 3 years it has applied directly from bank. At initial the credit limit is 75K now they have enhanced up to 1.75L, it was done only once on last January. The cash limit is sufficient. I got a life time free card. EMI conversion is good, rate of interest can be little bit lesser. Every thing is pretty and easy to convert. I use for online purchase and online course purposes.
I have applied HDFC Bank credit card from other channel,. Annual charges is applicable and the limit was okay. This is my first card, recently it got upgraded into regalia and the rate of interest was very high 18%. I am getting airport lounge access i used for domestic purposes.
HDFC Bank credit card i am using more than 6-7 years. There is no hidden charges in this bank. It is a zero balance account. I am using mobile app and it is user friendly to access. ATM charge is not applicable, if i use more than 5 times in a month also.
I am using HDFC Bank Regalia credit card more than 2-3 years, usually i am getting cash back on this card. I purchased a mobile phone, i got a discount of Rs. 3000 apart from this i am getting 5% cash back for clothings. Its a free card and the limit is sufficient, this bank has a excellent app more over for shopping and all i am getting instant cash.
On 6 months before I chosen HDFC card which was applied via bank directly. Might be based on card to card option, within a week I received the card. The credit limit is sufficient and I am not aware whether it is a life time free or fee. I am yet to use the card.