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.
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
Fees and Charges
Interest-free credit period
Up to 45 days
Minimum repayment amount
100% of the statement balance
Re-issue of damaged or lost card
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
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:
How do I update the address on my credit card?
You can update your address via any of the following methods:
Online: By logging into the HDFC Bank Corporate Portal.
Write: You can download, fill, and send it to the following address:
Manager, HDFC Bank Cards Division
P.O. Box No. 8654
Chennai 600 041
How do I check the status of my 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, your date of birth, and your mobile number to determine the status of your application.
Can I convert my reward points to cashback?
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.
Does the card have fuel surcharge?
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.
What is the payment due date for my Purchase Card?
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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I had a issues in paying the online payment for my HDFC credit card. They are not allowing me to make the payment through my CITI bank debit card but they are asking me to pay through third party app. I had a issue in changing my address they asked me to update my Aadhar card, they took it for kyc but they are not updating my credit card profile even though i have given my signature proof as well.
I am using HDFC titanium times credit card for past 4 to 5 years. I get Movies tickets like buy 1 get 1 offer in SPI cinemas. I have a credit limit of 75K, which is sufficient. Emi conversion options are available at the normal interest rate. I do have a personal banker has I am a customer for many years. Customer support provide instant response and the issue get resolved on time.
I am using HDFC BANK titanium credit card for more than 10 years. I have a credit limit of 2.3L now, I need to request the bank for limit enhancement every time, they will not offer it. I get cahsback on fuel. I can convert rewards points into form of cash or vouchers. It is a life time free credit card. Emi conversion options are less and there are some criteria to opt it . It is not easy to connect with the customer support executive.
I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 2 years ,This was a life time free card ,There are good reward points on this credit card ,Other than that everything was good on this credit card .I am really satisfied with the service so far.
I have HDFC Bank credit card which was taken through Bank directly .I am using this credit card for the past 10 years .There are cash back offers as well as reward points ,The credit limit was satisfied and only using for emergency purpose. The process was very smooth and satisfactory.
I have been using HDFC PLATINUM credit card for more than 10 years. The credit limit is good Rs.1,60,000. There is no option of EMI conversion. I use this card for mostly online shopping. and more. Customer service and responsiveness was good.
More than 2.5 years, i am holding money back credit card from HDFC. I am using this card for normal purpose and the credit limit is 80,000 rupees. This is a life time free card and also am getting reward points that can be converted into money which is good.
I have HDFC Bank credit card which was taken through Bank.This was a chargeable card and very comfortable to use,I am satisfied with the credit limit ,There are movie ticket offers ,fuel benefits as well as airport lounge access on this credit card .The benefits and features are much satisfied according to my usage.
I never faced any issue in using HDFC credit card even though I'm using the card for more than 2 years. They have not enhanced my credit limit till now which is a drawback on HDFC card. If i make the late payment, they charging me Rs. 1000 extra excluding the GST. I'm not happy about the HDFC credit limit.
HDFC is my first credit card and I'm using this card from 2012. This card is very simple to use. If i do late payment delayed by 1day also they won't put any late fee charges and they will reverse the same if they charged also. When i dropped the cheque, the payment will get delay for 1 day. They will understand my concern and the customer care people are very supportive. When i make the payment through Axis bank net banking, there was some issue which should be rectified.
I have applied HDFC personal loan which was applied through online and the loan amount of Rs.1,00,000 and the processing fee is around 4000 rupees and the interest was 21% it is very high, need to decrease that. Customer service and responsiveness was good.
Right now I'm not using the card and i got the card 12 years ago from HDFC. I have misplaced the card somewhere after that i didn't apply for the new card and i haven't received any call from HDFC people regarding the non usage of the card. The card features are good when i was using the card. They will not send notification regarding the offers.
I have been using HDFC bank credit card for more than 7 months. Since I am having an account with them so I got pre approved offer. The verification process was done on time and I got a card by 2 days. The credit limit is sufficient of around 1L. Based on the usage I get good reward points.
I have HDFC Bank credit card which was taken through Bank. This was a regalia card with zero annual fee. The credit limit was good and also converting emi option is there .I am getting discounts on shopping .I am using this credit card for the past 2 years .I am satisfied with the service so far .
This is a business money back credit card which am using from HDFC. On this card, they are giving rewards points and they provides me jumbo loan against the card. They give some rewards points which i can convert into cash. Almost 6 years, i have this card. They updated me time to time and got the loan without blocking the credit limit. HDFC provides me a good credit limit which is useful for me.
I have stopped using my HDFC credit card now and its like a dummy card because they do allow customer to convert into EMI if the purchase is more than Rs, 2500 and their app doesn't work if the customer do not have the personal account so customer needs to do everything through net banking. Their customer care service is very worst because they don't pick up the call for most of the times. They don't have any kind of easy loan options.
I am getting good benefits from HDFC bank. Their service is good and prompt on time. I am using this card for more than 1 year. It annual fee chargeable of 500 rupees and there is no waiver off option. The credit limit of 30K. I have opted for EMI conversion. Recently I used to book train tickets based on the usage I got many benefits like reward points and cash back. It is Money back card.
I am u sing HDFC Bank credit card which was taken through Bank.There is an option of conveting emi and now itis applicable for lesser amount also .The credit limit was sufficient and there are cash back offers as well as reward points .There was movie ticket offers ,airport lounge access as well as fuel benefits.
I have not approached the customer care of HDFC. I'm not availed any EMI facility till now. I have a regalia card from HDFC and I'm not aware of the benefits provided by this card. I hold this card for more than a year and they haven't enhanced my limit till now. Through mail, i get a offer messages. The card is accessible everywhere.
HDFC bank has provided lots of offers. I have been using the credit card for more than 5 years. The credit limit is good. There is an option of EMI conversion. I use for fuel purpose, flight ticket booking based on the usage, I get E- Vouchers and twice free for airport lounges.