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  • HDFC Bank Purchase Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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    HDFC Bank Purchase Credit Card

    HDFC is one of the top banks across the globe that offers great financial services and products to its customers. They are designed to meet your changing needs and requirements. The credit cards that they offer are some of the best cards available in the market today. The HDFC Purchase credit card is a unique credit card that comes with a myriad of perks and advantages.

    Highlights:

    • This product is highly customisable.
    • The traditional purchase transactions and quick and hassle free.

    Benefits of HDFC Bank Purchase Card:

    The Purchase Card offered by HDFC Bank comes with several benefits that can prove to be useful for you. These are as follows:

    • The processing time for transactions is reduced. Along with this the cost of high volume is also minimized.
    • The payment process is streamlined which allows you to control and manage the account.
    • Cost of goods is reduced as it consolidates the supplier bases and helps in negotiating with the supplier for the best price available in the market.

    Features of HDFC Bank Purchase Card:

    The HDFC Bank Purchase Card comes with various features. These are as follows:

    • The bank grants authority to the designated employees of a company for making official purchases using the HDFC Purchase credit card.
    • The Purchase credit card comes with a lot of customization options.
    • This particular credit card can be issued in name of the corporate or any individual.
    • This card reduces all delay is traditional purchase transactions.
    • Management of the account and tracking expenses can be easily done with this credit card.
    • Purchase process is automated by the HDFC Purchase card for managing accounts easily.

    Eligibility Criteria:

    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 last two years.
    • Rs 100 crore should be the minimum turnover of the business.

    Fees and Charges:

    Types Fees and Charges
    Credit period (Interest free) Up to a maximum of 50 days
    Minimum repayment amount 100% of the statement balance
    Fee for joining Nil
    Annual Fee Nil
    Non-payment penal charges 2.95% every month from the date of transaction
    Charges for late payment If outstanding bill is up to Rs 100, you pay zero; if outstanding bill is between Rs 100 and Rs 500, you pay Rs 100; if outstanding bill is between Rs 501 and Rs 5,000, you pay Rs 400; if outstanding bill is between Rs 5,001 and Rs 10,000, you pay Rs 500; if outstanding bill is more than Rs 10,001, you pay Rs 700
    Processing charges for outstation cheque Res 50 for each instrument
    Over limit charges 2.5% of the amount that is over limit. It is subject to a minimum of Rs 500
    Fee for cash processing 1% of the total amount that is paid in cash at any branch of HDFC Bank or ATM against the Purchase Card
    Charges for payment return 2% of the total amount to be paid. It is subject to a minimum amount of Rs 350
    Reissuance of stole, lost or damaged card Rs 100
    Fee for retrieval Rs 125 for each charge slip
    Transactions in foreign currency Cross currency mark of up to 3.5%
    GST Applicable in all interest, charges and fees

    Frequently Asked Questions:

    1. How to update address on the Corporate Card?

      You can write an email to HDFC bank about changing your address. You may also log on to the website of the bank and change your address online. You may also download the application form for changing your address. After filling it in, you must send it to HDFC’s Chennai office in Thiruvanmiyur.

    2. How to know the status of the 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, date of birth and mobile number to know the status of your card.

    3. If I do not want statements to be sent at the mailing address, how do I stop it?

      In order to do this, you will have to download and fill up MID from the form center of HDFC Bank. Sign it and send it to the correspondence address of the bank.

    4. When should I fill up the progressive dispute form?

      After the CDF (Cardholder Dispute Form) form submission, the bank informs the merchant involved in the disputed transaction. The documents required to substantiate the transaction is produced by the merchant. After inspection, if you are still not satisfied as a customer, you may choose to fill up and submit the form.

    5. In order to report a transaction dispute, why should I fill up the CDF?

      The CDF (Cardholder Dispute Form) must be filled by you as per the guidelines set by MasterCard and Visa. It authorizes the bank to investigate the transaction with merchant.

    *GST rate of 18% applicable for all financial services effective July 1, 2017

    Credit Card Reviews

    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The best feature of this credit card what i am using it from the HDFC BANK is that they are offering with the instant loan from the credit card added on that they give the jumbo loan also from this card. The credit limit what they provide is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best Card for the travelers"
      0.5 5.0/5 "Blown Away!"
      HDFC has lots of features on the card, I am holding Regalia card, it has domestic and international air lounge in quarterly two times they give airport lounges. I travels a lot hence I use this card, I get lots of discount air flight on my bookings.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this card for a long time and the services which they had been providing so far had been good. I am happy with the credit limit which they had given with this card and there has been some benefits and features with this card as well. It has been a life time free card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Hdfc bank giving good service for credit card .Am getting good cash back offers in this card . Based on the offer i have chosen Hdfc Regalia first credit card and am very much satisfied with their customer service . There is no annual charge which is nominal one which gets waived off after using certain limit .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have taken Hdfc regalia first credit card , where am satisfied with the credit limit which they have offered. There is annual charges for the card which gets waived off after using certain limit . Their customer service and response is good . Overall am satisfied with the service and response.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 3.0/5 "Satisfactory"
      Using my HDFC credit card for almost quite number of year. They have charged me a annual fee of Rs. 1000 and there is no waiving off facility. They have this credit EMI loan which i like most. Whenever i have some issues, i used call them and their response was they cannot help.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Need to use more"
      0.5 4.0/5 "Great!"
      Got my Hdfc regalia first credit card and am started using it . There is no annual charges for the card as its life time free card . There is no additional charges for the transaction which i make . Reason for choosing the card mainly for Hdfc brand value . Overall am satisfied with this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      Got my hdfc diners club miles credit card and started using it . There is annual charges for the card which gets waived off after using certain limit. Overall am satisfied with my card. As of now i didn't faced any issue with the card , They have offered me good credit limit .Overall am satisfied with the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Got my Hdfc regalia first credit card and am started using it . There is no annual charges for the card as its life time free card . There is no additional charges for the transaction which i make . Reason for choosing the card mainly for Hdfc brand value . Overall am satisfied with this card .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      I got my Hdfc bank diners club miles credit card and have started using it . There is no annual charges for the card as its life time free card . Am satisfied with the credit limit which they have offered.I have chosen this card based on the offers in petrol bunk , groceries and its been the suggested one
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Using Hdfc bank credit card for last 1.5 years Customer service and response is prompt one. As there is annual charges for this credit card. There is no additional charges for the transaction which i make. Am satisfied with the credit limit which they have offered .Only drawback is the took some time to get connect with the Ivr , but once get connected the response is good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have taken Hdfc diners club-miles credit card from Hdfc Bank. I have chosen this card based on the offers and suggestion. There are annual charges for the card which gets waived after using certain limit of rs 1 lakh Am happy with the credit limit which they have offered.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Hdfc bank giving good service for credit card .Am getting good cash back offers in this card . Using its for last 3 years and am very much satisfied with their customer service . There is no annual charges for the card . Am satisfied with the credit limit which they have offered of Rs 90000. Overall am satisfied with service .
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Must to have card for every HDFC customer"
      0.5 4.0/5 "Great!"
      I have been using the using the HDFC credit card for last 4 years. There is a 10% cashback on utility bill payment and 25% cashback on bigbasket purchase. They used to provide a accelerating rewards points. There is no joining fee. I'm pretty much happy with the credit limit. In the customer care, the response was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      HDFC customer service working 24/7 its good in response, they are providing good resolution, I am holding this credit card more than 6 to 7 years. The credit limit is good, I don't have any service issue, I think they have some offers but I didn't check about it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am using Hdfc bank for last 4 months . Where they have given good credit limit . There is annual charges of Rs750 plus Gst which gets refunded after using certain limit . Am getting cash back offers . Overall am satisfied with Hdfc credit card .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with HDFC BANK , i ma holding this card for past 2 year . They offered me HDFC REGALIA Credit card . The follow up was also good. So far there hasn't been any issues with their services. Benefits were good cash back and i am happy with this card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , they offered 120000 of credit limit . The customer support is also good. So far there hasn't been any issues with the card. They also have got a very good reward points system and the reward points can also be encashed.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with HDFC BANK , i am holding this card for past 1 month . They offered me with HDFC REGALIA Credit card . The card is chargeable but if i spent 100000 the fee will be waive off . HDFC bank customer executive ask me you can get free credit card then they are charging some annual fee too on this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , i am holding this card for past 1 year . They offered me with HDFC DINNERS CLUB credit card . The card is chargeable with 2999 rs . Mainly i use this for shopping , grocery . Customer service and service is up to the mark .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
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