Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a HDFC bank money back credit card for more than a year. The customer service and the response is good with HDFC bank. I also get money back offer, fuel surcharge waiver and some reward points with this money back card. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , bhimavaram
      Reviewed on Jul 19, 2017
    • HDFC Bank Credit Card
      "It is my one of my best Credit Card"
      0.5 5.0/5 "Blown Away!"
      HI! This is Santosh, I have been using from last 4 years with best service without any issue. This credit card services are very good, There is no annual charges. I recommend this Platinum edge Credit Card for best service. I hope they maintain the same rapo in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2017
    • HDFC Bank Credit Card
      "Convenient to use"
      0.5 4.0/5 "Great!"
      I use HDFC credit card. The bank offered a life time free credit card. There are no issues with the bank for the credit card services. The credit limit is satisfactory and the bank provides reward points on my every usage and they offer cash back offers as well.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • HDFC Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the bank has been very professional in their services. The customer support is helpful and they do not take long to sort out any issues. There are a lot of offers and the the rewards are also redeemable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 13, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of HDFC Bank the offers which are availiable on the card is very much useful. The credit limit which is assgined to me on this card is really good. The customer services are supportive when ever I call them to sort out a query. I get a lot of deals online and there are lot of EMI features too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 13, 2017
    • HDFC Bank Credit Card
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      I recently applied for the credit card with HDFC bank and the bank approved my application. Already I approached the bank for the personal loan and that has been processed in a good way by the bank. They provided a good service for my credit card as well.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jul 13, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      HDFC Bank has been perfect in the credit card services. I have not had any hassles till date. I get regular emails and the customer support is also helpful. The statements are sent to me on time and the bank has offered me a good credit limit. Good overall.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2017
    • HDFC Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      HDFC bank offered a credit card which is a chargeable one but I do not remember about the annual fee. The credit limit is quite satisfactory and on my every usage I am getting reward points from the bank. Even sometimes they used to provide cash back offers. Customer service is good and I have no issues with the bank.
      Was this review helpful? 0
      , ariyalur
      Reviewed on Jul 13, 2017
    • HDFC Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I had received a life time free credit card from HDFC bank. The credit limit is not good but they will upgrade the limit based on the usage and tenure. I am getting reward points and cash back offers on my card but I never tried to convert those reward points into cash.
      Was this review helpful? 2
      , salem
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Looking for better feature"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC Money back card, they are deducting too many charges, whenever I use my credit card. They are making the customer inconvenient,they are giving some offers but it is not good. For example, if I book Indian railway by HDFC credit card, they take Rs.30. It is not fine and also they taking Rs.500 as annual fee, but I use more than Rs.50,000 annual fee gets waived off.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I was holding a credit card of HDFC Bank , when ever I have used my card, I never faced issues in my transactions or in my statements as well. It has been a clear and transparent process till date. I was get ting the basic offers and the credit limit is also up to the mark I had taken this card in 2008.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The response that I get from HDFC Bank credit card is great.. I get lot of offers like reward points and good deals. I am with them from the last two years of time. Credit limit value is good enough for me initially they have offer 75k and now they have upgraded to 1.5 lakhs and can withdraw cash limit of 50k.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      HDFC offered a credit card for me. The card is a chargeable one. Credit limit is quite good. But I was unable to maintain the card because I was in Bangalore at that time when I received the card and I had shifted to other place due to my profession. And the situation was not good to use the card. But I am paying for the card. Customer service is average.
      Was this review helpful? 1
      , kolar
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Satisfactory service"
      0.5 3.0/5 "Satisfactory"
      I am holding Titanium visa with HDFC rs499 is annual charge of this credit card, I am holding it for three years. The credit limit of this card is 60k, I never faced any issues with that. The customer service of this bank is really worst. I had accumulated good reward points however it got expired.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card for last 3 years. I am happy with the bank for the credit card services. I do not have any issues with the bank till date. The credit limit is 50k which is satisfactory and there is annual charges for card they provide good reward points and cash back offers normally
      Was this review helpful? 0
      , shimla
      Reviewed on Jul 12, 2017
    • HDFC Bank Credit Card
      "Outstanding credit card"
      0.5 5.0/5 "Blown Away!"
      I had no issues with HDFC and it is absolutely good, I am holding HDFC credit card since 2011. Hdfc provided good offers and along with an EMI option on the purchase amount. Their credit limit is also pretty satisfactory, I am very much happy to hold this credit card of HDFC.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 11, 2017
    • HDFC Bank Credit Card
      "Good To maintain"
      0.5 4.5/5 "Excellent!"
      I am using credit card with HDFC bank. This is a kind of free card like if I spend 50000 in a year then the annual fee will be waived off for life time. I am getting reward points on every usage and they provide cash back offers as well. This is very comfortable for the usage.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 11, 2017
    • HDFC Bank Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      Customer service is very good with HDFC bank. I availed credit card from HDFC bank which is a life time free card. I am getting reward points and cash back offers on my card. I had not redeemed the points yet as I am collecting the reward points. The card is good for usage.
      Was this review helpful? 0
      , wardha
      Reviewed on Jul 11, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had received a credit card from HDFC bank. The card is a life time free credit card. I am getting reward points and cash back offers. Actually I hold money back card which is convenient for the usage. Once I got those points converted in to cash as well.
      Was this review helpful? 0
      , kozhikode
      Reviewed on Jul 11, 2017
    • HDFC Bank Credit Card
      "Good for Basic Needs"
      0.5 4.0/5 "Great!"
      During financial year end, normally my salary gets credit late, as a result I make my payments late, but the bank adds some late payment charges though I am an existing customer of the bank. It would be more helpful, if they understand the customer. Normally I use my credit card for the billing utility and for booking IRCTC however I dont get any kind of offers in turn.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2017
    Common Loader Icon

    HDFC Bank Purchase Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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

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