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

      

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    Credit Card Reviews

    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      It is a fine experience with HDFC Bank. I received the credit card on time. There are cash back offers and the deals are good. The credit limit is fine. The charges are normal for the credit card. The customer support and response is good and on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have started using HDFC bank credit card for recently, they have charged me annual fee but waived off option is available, the credit limit which they have given to me too high based on my requirement i need to less the limit,the reason for choosing this bank is for their offers they use to give good offers in shopping and airport lounge.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFc credit card from long time, They have not charged me annual fee in this card, i am happy with the credit limit which they have given to me, their mobile application is good, they use to give good offers if i shop through on line, their overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have one credit card from HDFC bank last three years , and this is free card no need any charges here , rewards point offer in this card and I have been redeem my rewards point , and I am satisfied with credit limit after one and half years my credit limit is increase ,
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      It has been four years since i am using the HDFC BANK CREDIT CARD, they had been providing a better service so far. The credit limit with the card comes around 1,50,000 and there has also been some added benefits with this card like reward point benefits. There is some annual charges of 500 with this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card for the reward points"
      0.5 5.0/5 "Blown Away!"
      I have Hdfc money credit card around one year, the card is good they are providing bonus points on the spend. The billing cycle is good and they are providing the reminder msg or calls before the due date. I used to get the soft copy statement on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I wanted a life time free card with HDFC Bank and I got a card with a annual fee of 500. If I use the card for 50K to a Lakh in a year the fee is waived off. I got a money back credit card. The best is the cash back. I also get points which can be converted to cash. The credit limit is good. There is no mobile application for credit card and that is the minus point.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good for online transactions"
      0.5 3.0/5 "Satisfactory"
      I hold a Platinum credit card and am using with HDFC for past three years. I did not get any special benefits on the card. The credit limit is too low and they provided me based on my profile which was not enhanced till now. There is no annual charges. I have been using the card for multi purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Most reputed credit card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card for the past 3. 5 years . HDFC has more tie up with online vendors like Amazon , flip kart, Swiggy , Etc . So they provide offers on the continuously for the card holders . There card has more advantage in comparing to other cards .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Need improvement"
      0.5 2.0/5 "Expected more"
      HDFC Bank has degraded my credit card and I had a lot of options earlier on this card. Now I do not get any benefits. There are no movie tickets, the point value has reduced, it was one rupee earlier and now it is .25. Most of all they charge Rs. 400 even if the payment is an hour late.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For HDFC credit card its an average card, i used get 4 rewards points apart this for book my show got 750 vouchers and big basket 750 vouchers and also i can able to redeem for 6000 rupees for gold purchase,but customer service not responding properly.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "NOT SATISFIED WITH THE SERVICES OF THE CUSTOMER SUPPORT EXIC"
      0.5 1.0/5 "Really Bad"
      The process in getting my HDFC BUSINESS MONEYBACK was fine and the card was delivered to me within the promised time. But after receiving the card it has not been a good experience, the customer support is the bridge between the bank and the customer where the services from their end has not been good. Other than that everything had been fine with them like the credit limit as well.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Never approached me"
      0.5 3.0/5 "Satisfactory"
      I am closely in touch with HDFC customer service for the past one year . I trusted them and taken a credit card from them, But till now they have not approached me for credit limit enhancement . They are having very good offers online and nice discounts for their cards but they need to increase the credit limit on a regular basis .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good in offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a life time free money back credit card and the customer services are good. They also provide me with good offers on Amazon and Flipkart. The credit limit is good. It is a smooth process while using the card, I never faced any hassles in the overall process.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card from long time, They have been charging annual fee in this card,but waived off option available,like if i spend certain amount then annual fee will get waived off, i am happy with the credit limit which they have given to me.they use to give good offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Lot of confusion in delivering the card"
      0.5 3.0/5 "Satisfactory"
      There was so much mess with a HDFC credit card . Because when I applied for my HDFC credit card , I changed my location . So the card has been delivered to my old address and card has been returned to the branch . Then once again I requested for redelivering and same thing happened . At last I said to deliver the card to my office address .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I took my HDFC bank credit card this is chargeable card , I am satisfied with credit limit and their customer service is good and response is also good , and here rewards point offer available , I did not use much more still recently I got this credit card ,
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
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