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
      "They should understand Customer's Needs"
      0.5 1.0/5 "Really Bad"
      I had been using this card more than three years, my credit limit is just Rs. 40,000 but in CITI , I am using for the period of one and half year. Initially they gave the credit limit of Rs.80k now increased to Rs.1.20 lakh and I am holding saving account with HDFC more than 5 years. I had done many loan payments through their account, I dont have any cheque bounce, they would have increase my limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having HDFC bank credit card from the last four years of time. The offers are not really fine one with them like I am not able to make the big purchase into EMI conversion, also am not satisfied with the HDFC bank credit card till now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      The offers are good at HDFC bank and there are no charges taken for card annually. The best I prefer is the statements which was sent on time and I did not have any discrepancy in the bills. The customer support is always helpful and I get the updates regularly on calls and through emails.
      Was this review helpful? 0
      , delhi
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered a life time free credit card and they have given me a limit of around four lakhs which is more than satisfactory for me. The customer support is good and they are responsive is giving me details instantly without a delay. The offers are good.
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      , ahmedabad
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very well "
      0.5 5.0/5 "Blown Away!"
      I have a current account with HDFC based on this account they used to give many offers. In fact I got HDFC Religalia card, initially they gave 35,000 but now they increased the Rs. 3 lakhs credit limit. I am very happy about it. HDFC bill part is very clear.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card. The credit limit is good and it is sufficient as per my requirement. I am getting reward points. They provide offers on travelings, entertainments. Sometimes they give cash back offers. I never checked about the rate of interest and the annual charges. It is going smooth till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Convenient banking"
      0.5 5.0/5 "Blown Away!"
      When ever I contacted HDFC bank with regards to my credit card, they were very helpful to give me details. The offers are good and the cash back I get on it is helpful. The points can be redeemed on fuel and there are other benefits of EMI and loan features too.
      Was this review helpful? 0
      , panchkula
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the services for the credit card as well. Everything falls in place from the offers to the credit limit and the updates they give me on the card. The customer services are good and professional as well in the communication.
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      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Hassle free banking"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been very good in services as well. I hold a credit card and till date I have not had any issues in getting my statements or in getting any offers. The response is good when I contact for any clarification on the statements. The credit limit is also satisfactory.
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      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The annual charges for my credit card is around 500 to 750. I used to get reward points and cash back offers from HDFC bank. Reward points are redeemable but I did not try yet. Interest rate is something always high with HDFC bank. It has been seven months with HDFC bank for the credit card.
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      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Not Satisfactory"
      0.5 2.5/5 "Just OK"
      There are a lot of bad experiences with HDFC Bank for the credit card. The first is they charge much for many things and unlike other banks they do not convert the outstanding to an EMI. The next is that they do not have an option online to update my contact information, with technology being advanced these days, I was asked to send a letter to the branch to update my new number. The third thing is I was told that I am eligible for all my purchases when the guy sold this card to me. But that is not the case. Before I purchase anything I need to call the customer care and check if I can convert to an EMI and then I could decide to buy the product.
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      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      " EMI conversion process has to be changed"
      0.5 1.0/5 "Really Bad"
      When I swipe my credit card for ten days they were adding some amount to the out standing. I could pay only minimum amount due. Hence I requested them to convert the out standing amount into an EMI withn 5% of interest but they refused to process. HDFC gave me the credit limit of 50,000 it is good. If they gives EMI option for the out standing that would be convenient.
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      , coimbatore
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very Good"
      0.5 4.0/5 "Great!"
      I would like to say HDFC bank credit card is best one and the credit interest is lesser one, also the credit limit value too. Customer service is fine one with the HDFC bank credit card and am using it from the last five years of time.
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      , chennai
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Titanium times card has the reward points but I don't use it, I have this card for past 4 years. Through the net banking I pay the credit card bill, which is very easy to do. I am not happy with the credit limit, HDFC can increase the credit limit with this titanium card. Overall I am satisfied using HDFC card.
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      , jamnagar
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Its Awesome"
      0.5 5.0/5 "Blown Away!"
      I am happy with HDFC credit card, I can use and I can pay it. I am using titanium times credit card, I am getting good rewards points over there. I can use it for online shopping and their credit limit is also good. If they add any charges also they immediately update me.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have got this credit card via online,I have applied for money back credit card and they offered me the credit limit 75000 rupees and its been 2 years Iam holding this credit card they have not giving any offers and its a life time free credit card. I am very fine to use HDFC credit card without any hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Super "
      0.5 5.0/5 "Blown Away!"
      I am using the credit card of HDFC and I would like to say HDFC bank credit card is the best one with them. Response is good one with them and the credit limit value is good one with them, also I am using it from the last two years of time. Offers are also good one with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a Regalia credit card of HDFC bank which they have offered me ten days before. I was using intitally all miles card and the bank has upgraded the card and they have given me 10 days before initially all miles card was really good I was having good reward points and the credit limit of 75k and it was a chargable card.
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      , coimbatore
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Restricted card"
      0.5 4.0/5 "Great!"
      I am really satisfied with the HDFC Diners club card because its acceptable as world wide. Its been more than a year of time, I am with them and am satisfied with the credit limit. The accepted level is very limited with the, which is the disadvantage.
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      , bangalore
      Reviewed on May 26, 2017
    • HDFC Bank Credit Card
      "Good pocket money card"
      0.5 4.0/5 "Great!"
      HDFC don't have much offeres compared to other credit card, My HDFC credit card name is Titanium times credit card. There is no cash back but I am getting good reward points, I have accumulated almost 5000 points. One point = one rupees, I can convert those points into cash for the credit card payment.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2017
    Common Loader Icon

    HDFC Bank Purchase Credit Card

    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%
    Service tax 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.

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