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  • HDFC Bank Purchase Credit Card

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  • A business credit card that can be used for a variety of purposes, the HDFC Purchase Card can be used to make vendor payments, help you track and manage your spending, and helps you improve manpower productivity among others.
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    Key Highlights of the Purchase Credit Card

    • This product is highly customisable so it can be used to make high-volume, low-value purchases.
    • Lets you maximise your savings and reduces the time involved in processing your transactions.

    Features and Benefits of the HDFC Bank Purchase Card

    Here's why you should consider getting this card:

    • You can effectively track and manage your spending.
    • It eliminates delays involved in traditional transactions.
    • It can be used for vendor payments and helps in addressing purchases which are high in volume but low in value.
    • Enables a closed loop payment system. So, you can pre-load funds into an account.
    • Streamlines the payment process. This, in turn, increases control over account management.
    • Reduces the time involved in processing a transaction.
    • Reduces the cost of goods since it consolidates the supplier base and helps in negotiating preferred prices.
    • Helps improve efficiency since you use a single card for all of your purchases.

    HDFC Purchase Card Credit Limit

    The credit limit on your card will be determined by the bank.

    Rewards Points Redemption

    The points you earn on your card can be redeemed for vouchers. For any redemption, you require a minimum of 2,500 points.

    Fess and Charges on the HDFC Purchase Card

    Types Fees and Charges
    Interest-free credit period Up to 45 days
    Minimum repayment amount 100% of the statement balance
    Joining fee Nil
    Re-issue of damaged or lost card Rs.100
    Non-payment penal charges 2.95% per month from the date of transaction
    Charges for late payment - Less than Rs.100: Nil

    - Rs.100 to Rs.500: Rs.100

    - Rs.501 to Rs.5,000: Rs.500

    - Rs.5,001 to Rs.10,000: Rs.600

    - Rs.10,001 to Rs.25,000: Rs.800

    - Greater than Rs.25,000: Rs.950

    Foreign currency transactions A markup of 3.5% of the transaction amount
    Processing charges for outstation cheques - Up to Rs.5,000: Rs.25 fee per instrument

    - Above Rs.5,000: Rs.50 fee per instrument

    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 the last two years.
    • Rs 100 crore should be the minimum turnover of the business.

    Frequently Asked Questions:

    1. How do I update the address on my credit card?
    2. You can update your address via any of the following methods:

      Email: corporateassist@hdfcbank.com.

      Online: By logging into the HDFC Bank Corporate Portal.

      Write: You can download, fill, and send it to the following address:

    3. Manager, HDFC Bank Cards Division
    4. P.O. Box No. 8654

      Thiruvanmiyur P.O.

      Chennai 600 041

    5. How do I check the status of my Purchase Card application?
    6. You can check the status of your Purchase Card application on the official website of the bank. You will need the application reference number, your date of birth, and your mobile number to determine the status of your application.

    7. Can I convert my reward points to cashback?
    8. You can convert your reward points to cashback by requesting the bank to do so. You can send the request form to P.O. Box Credit Card Division.

    9. Does the card have fuel surcharge?
    10. Yes. This fuel surcharge can vary from 1% to 2.5% of the fuel transaction amount. The amount you end up paying as surcharge depends on the fuel station and their bank.

    11. What is the payment due date for my Purchase Card?
    12. The payment due date for your purchase card is 15 days after the statement date

      *GST rate of 18% is applicable on all financial services effective July 1, 2017

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    Credit Card Reviews

    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having HDFC Bank credit card for the past 15 days only ,I have availed this credit card through Bank directly ,I have got a clear picture about the card process through the agent ,This was a free card and there was no difficulties faced while submitting the documents .I am really satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      I am having a credit card with HDFC bank for the past few months only which was processed through bank directly. It is a life time free credit card and the credit limit is much sufficient for this card. EMI option is not applicable. So far no issues I had faced from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "HDFC card is acceptable everywhere"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is better than other cards. I have a HDFC money back credit card so i get a rewards points whenever I'm doing the transaction or purchases those rewards points, i can easily converted into cash. There are lots of EMI conversion done from this card. If i purchase in online and converting those transaction into EMI at that time, there is no charges. Due to some personal reason, if a customer unable to make the payment on a due date, they are charging me a huge late fee and interest rate.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good pre-approved credit card"
      0.5 5.0/5 "Blown Away!"
      I am using the rupay credit card from HDFC hence I'm getting the rewards points when i am doing a online purchases, They are providing a fuel sur charges. The offered credit limit of Rs. 48000 was not sufficient for me and I'm trying to increase the same. I use the credit card for almost 1 year. I make the partial payment always. Interest rates are nominal.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 2 years ,This was a free card and the credit limit was good it was upto 40,000 .Since have salary account i have received the card on paperless approval .I am really satisfied with the service so far .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I hold a money back credit card from HDFC. I get a benefits of cashbacks. I'm getting the messages regarding the cashbacks and discounts on a daily basis. The given credit limit is Rs. 1 lakh. There is no yearly charges on this card and i use this card for almost 4 years. They gave me a option to increase the limit but i didn't accept it.
      Was this review helpful? 0
      , madurai
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I hold a credit card of HDFC but i discontinue with the card. The card features was fine. I had closed because it does not required for me. I hold a money back credit card. They have provided me a lots of cashback and i got the credit limit of Rs. 69000.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was directly taken through Bank.I am using this credit card for the past 3 years ,This was a free card ,The credit limit was good and it was sufficient ,I have got the credit card on time ,While submitting the documents there was no difficulties .
      Was this review helpful? 2
      , bangalore
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am having HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 6 years ,The credit limit was really good and it was upto 1,10,000,This was a Regalia first card .This card is very easy to use and there was no drawbacks faced .I am totally satisfied with the service so far.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank credit card for the past 1 month which was taken through Bank direclty .This was a chargeable card need to pay annualk fee ofnRs.500.I have got all the required details about the loan process ,The credit limit was good and there was no difficulties faced so far on using this account .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Need to decrease interest charges"
      0.5 4.0/5 "Great!"
      I am having a credit card with HDFC bank for the past 7 years which was processed through bank directly. It is a life time free credit card and the credit limit is much sufficient for this card. EMI option is applicable but for charges are high. So far no issues I had faced from them.
      Was this review helpful? 1
      , bhiwadi
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC Bank credit card for the past 4 months only.I have taken this credit card direclty through agent.I have got all the details about this credit card through the agent very clearly .This card is free for first year and from second year onwards it is chargeable .The credit limit was very less it was upto 50,000 only .
      Was this review helpful? 2
      , bangalore
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In HDFC, they offered me a credit limit of Rs. 60000. I am having a times titanium credit card. They provided me a good rewards points on my purchase. Its 2 years old card and they asked me to increase the credit limit but i have denied the same. I never faced any trouble on this card.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC BANK Master credit card for almost 3 to 3.5 years. The cash back offer is there and then reward points are getting credited into my account whenever am doing a transactions. The limit is sufficient for me and its 57K. The annual fee is not taken so far.
      Was this review helpful? 1
      , vijayawada
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good offers in HDFC"
      0.5 5.0/5 "Blown Away!"
      HDFC is giving me all kind of offers and discounts which no one will provide. They have so many schemes offers on restaurants, movie tickets and shopping. About 7 months, i hold the credit card from HDFC bank. I'm satisfied with the provided credit limit. I have a savings account so they have provided me a credit card. They provide me a no cost EMI offer.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I use HDFC BANK credit card for a daily expenses and etc. I have been receiving lot of benefits and also they are giving an option of insta loan and jumbo loan. The interest rate is okay. The credit limit is fine. There is annual fee but don't remember now.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have not used the card that much but its good for online purchasing because HDFC BANK is giving cash back and 10% discounts even they support no cost EMI. Also the customer service is upto the mark. The interest rate is fine. They said its annually free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was applied through Bank directly .The credit limit was very less and it was upto 28,000,I have got all the relevant details about the card process through the agent .Customer service is also good ,There was good cash back offers as well as reward points .
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 09, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding HDFC bank credit card for more than 9 months which was offered from bank directly. Within one week I received a card once all the verification completed. It is a life time free credit card. The credit limit is low as per my requirement. EMI option is applicable and charges are nominal. I use this card for shopping purposes.
      Was this review helpful? 1
      , nandyal
      Reviewed on Oct 08, 2019
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am having a Freedom credit card from HDFC and i can get the buy1+get1 movie tickets. In petrol, there is a sur charges waiver. I hold this card for about 1 year. Got the limit of Rs. 75000 but my expectation was more. I don't need to pay any annual fee. They are providing offers on all types of category.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Oct 08, 2019
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