Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HDFC Bank Purchase Credit Card
    Credit Card BYTES FROM OUR KITCHEN

    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
      "Best banking service"
      0.5 5.0/5 "Blown Away!"
      I am happy with the banking services provided by HDFC bank, it is good when compared to all other banks. I hold a salary account with this bank from last 5 years and the experience was good. Customer service is fine and they responded on time. ATM branches are working fine and the net banking facility is good with this bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with HDFC bank from last 5 years, the credit card services provided by HDFC bank is good when compared to all other credit cards. There is no annual fee charged for this credit card. I get offers like reward points and cash back in this credit card. I use net banking for making payments. I have a credit limit of Rs 1 lakh in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with the HDFC credit service. They offered a All miles credit card and with the good credit limit of more than one lakh rupees. I never paid any interest rate so don't have any idea. They charge annual fee but it will get waived off, if I do maximum transactions.
      Was this review helpful? 0
      , ambala
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a great experience with Hdfc credit card department. The online offers and benefits are good with Hdfc. Hdfc customer support was prompt and the credit limit they quoted me is sufficient for me. It is a best experience with Hdfc credit card department.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The credit limit offer by HDFC credit card department is 86k which was comfortable for me. And cash withdrawal limit is 34k. The documents part was smooth they collected from my door step. The customer support is good. It was an excellent experience with Hdfc credit card department.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of HDFC bank.I hold money back International card and the credit limit was1 lakh which was not satisfactory . The customer service and responses was up to the mark. Here there are no hidden charges and I am getting some reward points here.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using Jet privileged credit card of HDFC. The credit limit offer by Hdfc is comfortable and response was good. The customer support was good with Hdfc JET privilege credit card department. It was an excellent experience with Hdfc get privilege credit card department.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have a credit card with Hdfc ,it was a good experience with Hdfc credit card department but I was unable to process sometime. The credit limit what they offered is 60k but I was expecting 1k from Hdfc credit card department ,documents procedure was directly from door step which was an easy process in all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with HDFC bank for about 4 years . They have offered money back International card and I am getting reward points as benefits. The credit limit was 26,000 which was satisfactory . I am satifeid with their online banking. The customer service and responsiveness was also good.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am holding a Regalia Credit card with HDFC Bank for around one year. The credit limit was one lakh rupees. The customer service and response was satisfactory. There is no annual charges on the card. I am getting reward points and cash back offers on my transactions.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I have my credit card with HDFC bank for about 5 years. They have offered money back International card and the credit limit was 1,80,000. I have 24./7 helpline number. Here the Interest rate and charges are average in the market. My overall experience was good and its recommendable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      From the last three to four years of time. I am using HDFC bank credit card and the response is very good . I would like to say that the customer service is also very good and the online portal is also working in better aspects with them. It is very good choice.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have my credit card with HDFC bank for about 8 years. They have offered money back International card and the credit limit was 1.40 lakhs .The customer service and responses was really up to the mark. The charges and Interest rate was really high here comparing with other banks. My overall experience was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Hdfc credit card department was good,the customer support was fine. They had offered me a credit limit of 2.5k which was comfortable for me, all the documents were uploaded through online ,so it was a smooth procedure,it was totally a good experience with Hdfc credit card department.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Hdfc credit card department was good,the customer support was fine. They offered me a credit limit of 2.5k which was comfortable for me,documents have been uploaded through online ,so it was a smooth procedure,it was totally a good experience with Hdfc credit card department.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using the HDFC credit card for one month. I am not satisfied with the credit limit. I haven't received the bills to my email address so I have called the customer care and requested for it but still there was no proper response. They charge annual fee as 499 rupees.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have a Diners club credit card from Hdfc,the charges was good. The customer support was prompt with Hdfc compared to others in the market but they never provided me with any offers but the charges and interest rate was fine with Hdfc diners club credit card department.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with HDFC bank from last 2 years, the credit card services are very good in this bank when compared to all other credit cards. There is no annual fee charged for this credit card. I get offers like reward points in this credit card and i use this card mainly for shopping purpose. I have a credit limit of Rs 1 lakh which is sufficient for this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with HDFC bank was very good .The customer service and responses was up to the mark. I did not receive the card till now, so have no idea about the card still. My experience was not satisfactory therefore this card is not recommendable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I do have HDFC bank credit card from the last twelve years of time. I would like to say that the response is very good one with the HDFC bank and the customer service is very good. Everything is fine one with the HDFC bank credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
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