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  • HDFC Bank Purchase Credit Card

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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
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I get the benefits like rewards points , fuel surcharge , airport lounges and etc from the Hdfc bank regalia first credit card. use this card for more than a month time. The customer support service and the response is good with the HDFC bank. I am satisfied with the credit limit value .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good service but reward point has to be increased"
      0.5 3.5/5 "Pretty good"
      This card has been good in getting access to personal loans, which was one of the main benefits which i had. And their customer service was good and equivalent to HSBC card which i have. There was some reward points but the cash back was very less compared to the others.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      The credit card services of HDFC bank is very good when compared to other credit cards. I am using this card from more than 2 years. I have a credit limit of Rs 50000 but there is no annual fee charged for this card. I get good reward points on petrol and shopping. Net banking is easy to make bill payments
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 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 1 year, i get cash back offers on online shopping like Amazon and Flipkart. All my transactions are hassle free on this credit card and i use net banking for bill payments. This is a lifetime free credit card with sufficient credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The customer support service is not reachable , I tried reaching them for a long time,but I can't reach them. The customer support service need to be quick and fast in their response part. The credit limit value is good with this good with this card and i am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with HDFC bank which was taken 3 months back.The credit limit was 1,25,000 which is satisfactory . The customer service and responses was good.I hold money back card and I have 24/7 helpline number .There is no annul fee and charges .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the HDFC MoneyBack credit card for the past 4 Months . They offered me a fair credit limit and I'm happy with that. I never had any problems with the card and payments. Their services are customer friendly and proactive. I make the payments online.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I have my credit card with HDFC bank 2 years back. I hold money back card here and the credit limit was 45,000 which is not satisfactory .There is no much benefit of holding this card. Their annul fee was also very nominal. The customer service and responses was up to the mark.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I have my credit card with HDFC bank. I hold regalia card and the credit limit was also satisfactory . The customers service and response was up to the mark. Their annul fee was nominal so I would like to recommend to others . I am happy with the benefits also.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I bought the HDFC BANK Regalia First Credit Card Online. There wasn't any specific reason to choose this particular card and the whole application process was smooth and hassle free. Overall I'm happy about the features and benefits associated with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have not used this card much, but it is a life time free card where there is no annual fee charged. I have not used much of their benefits but i am getting cashback offers on fuel recharges. I use this card for daily purposes and also for purchasing electronic home appliances.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the HDFC bank. They have provided me the credit card on time. There was a communication gap between me and the banker which need to be avoided by the HDFC bank. The customer support service need to be in touch with the customers.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 7-8 years, offers like reward points are good on this credit card. I am happy with the credit limit and there is no annual fee charged at the time of getting this credit card. I use net banking for making bill payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I'm holding the HDFC Visa Credit Card for 1 year. Their services are really good. The customer support is really good and mobile app is really convenient for all banking activities. HDFC always offers best service to their customer. I'm happy with the features and benefits of this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I got good service from the HDFC bank in concern to my credit card application. I have got the HDFC BANK DINERS REWARDZ CREDIT CARD with in the time frame. The customer support service and the response is good with the HDFC bank. The satisfied with the credit limit value from this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have been using this card for the past two years, and their services are really good. I did not face any problems till now from their end. The credit limit which they had provided me was satisfactory, and i am expecting more. I do online purchases with this card, and it is helpful to convert emi which is faster than any other.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the HDFC BANK DINERS REWARDZ CREDIT CARD online the paperless approval option wasn't there for me, I had to submit documents manually which was not convenient. It took a month still I got the card in my company address. I use the card for shopping Online Shopping and filling Fuel.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Transparency needed"
      0.5 3.0/5 "Satisfactory"
      The HDFC bank has approved the HDFC BANK DINERS REWARDZ CREDIT CARD which has so much international benefits in it, which is not helpful for the general usages. The customer support service was continuous in calling me after receiving the credit card. They have charged Rs,900 for the insurance without informing me.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Very good service"
      0.5 4.5/5 "Excellent!"
      I've been using the HDFC Diners Rewardz Credit Card for the past 5 Years and I'm Happy with the services, the card is suitable for shopping. It also offers regular offers on FLipKart and Amazon. Address changes can be done easily through the mobile app.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the HDFC Times Card for almost 1 years and I'm happy the features. I use this card mainly for Online Shopping. The Rate of interest is good and the credit Credit Limit is also fine for me. Overall the experience was really good with HDFC
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 26, 2018
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