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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

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      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
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      "Good service"
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    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Even if I forget to convert EMI conversion for the usage of my card, HDFC banker use to contact me to remain for this option. I have been using this card for more than 2 years. Since i applied a bike loan at that time I got this card offer direct from bank. The credit limit of 30K at initial now they enhanced up to 60K. It is a life time free card. They provide movie ticket offer but I didn't prefer. The customer service is good and they make to understand on easy.
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      "Excellent service"
      0.5 5.0/5 "Blown Away!"
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    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
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      , pune
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    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
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    • HDFC Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      The best part about HDFC credit card is that the credit limit used to increase at a very fast rate, the offer is also good.The agent came and collect the documents and i got my card in very short time. I used this card for shopping,on line payment,fuel surcharge and groceries but I am not using this card for money transfer purposes.
      Was this review helpful? 2
      , patiala
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    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
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    • HDFC Bank Credit Card
      "Excellent service"
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    • HDFC Bank Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 3
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    • HDFC Bank Credit Card
      "Interst rate was high"
      0.5 5.0/5 "Blown Away!"
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    • HDFC Bank Credit Card
      "Excellent Service"
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    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
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    • HDFC Bank Credit Card
      "OKAY"
      0.5 4.0/5 "Great!"
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    • HDFC Bank Credit Card
      "Ecxellent service"
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    • HDFC Bank Credit Card
      "Good card with limit "
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    • HDFC Bank Credit Card
      "Need to decrease the rate of interest"
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    • HDFC Bank Credit Card
      "Good credit card account"
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    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
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      , chennai
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    • HDFC Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
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