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

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    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

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Easy to hold"
      0.5 5.0/5 "Blown Away!"
      I am holding a credit card with HDFC. They provide reward points for every purchase. satisfied with the service. The customer service and response with the bank is comfortable. I am totally happy with the credit card with HDFC. I can recommend the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC bank is excellent in the offers on the credit card. The customer services are professional, and they communicate on time and inform me the details of the offers I am eligible for. There are no charges related to the card and my transactions are always clear.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a decent credit limit on the credit card and when ever I use the card there is no hassles. I get intimated about my transactions and everything is clear online. There are no charges related to the card and in all I am glad with the offers too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Online service should be improved"
      0.5 3.0/5 "Satisfactory"
      I am not satisfied with HDFC credit card even their online site is not user friendly to access for the credit card queries. Interest rate are same as per other bank for the transaction. Offers wise HDFC is providing, two movie tickets on monthly basis.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card from last 3 years, HDFC bank provides good services on credit card when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. I get offers like reward points in this credit card. There are no transaction issues at the time of swiping the card. I use this card for shopping and i am fine with the credit limit of Rs 61000.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Good For Dinning"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card process was quick, they done the entire loan procedure on time, Then I got HDFC Diners reward card, it can be use as an international level. They offer me 1 lakh during an emergency time, I could repay it within 28 days with 0% of interest and also they are providing some additional offers in shopping, dinning etc.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Looking for better feature on credit card"
      0.5 3.0/5 "Satisfactory"
      Almost one year I am using HDFC credit card, initially they gave me credit limit of Rs. 50k , now my salary got changed but still I could not enhance the limit. I don't have account with HDFC, hence some facility are getting stopped. I could not convert the amount into an EMI.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      HDFC bank provides good services on credit card when compared to all other credit cards, they did not charge any annual fee at the time of getting this credit card. I am using this credit card from last 1.5 years, it is very convenient to use. I get offers like cash back in this credit card. I use this credit card for my personal use and i am also fine with the credit limit.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      As I'm a long time customer with HDFC bank for around 3 years they offered me a credit card and I accepted it and took it. I have been using their Platinum Plus credit card for 1 year now and till now it is a good card for me. There are no annual fees which is applied on this credit card.
      Was this review helpful? 0
      , rewari
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Unhappy"
      0.5 2.0/5 "Expected more"
      I am not satisfied with the HDFC credit card service because they reduced reward point drastically. Previously it was 75p for 1 point now its been reduced to 35p. It is a lifetime free credit card. I hold Diners club rewardz. I do get a discounts on e-commerce sites. I am using the service for a three years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Unhappy"
      0.5 2.0/5 "Expected more"
      I am not satisfied with the HDFC credit card service because they reduced reward point drastically. Previously it was 75p for 1 point now its been reduced to 35p. It is a lifetime free credit card. I hold Diners club rewardz. I do get a discounts on e-commerce sites. I am using the service for a three years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Credit card features should be standard"
      0.5 4.5/5 "Excellent!"
      My due date was on 8th of Nov, I made my first credit card payment of HDFC, I am satisfied with the bill cycle, min amt etc. But I am using diners credit card its not accessible in many places, that card feature has to be improved, they do have some annual fee around Rs.1000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Need to improve service"
      0.5 3.5/5 "Pretty good"
      As I'm a long time customer with HDFC bank for around 6.4 years they offered me a credit card and I accepted it and took it. I have been using their HDFC bank's Regalia credit card for around 5 years now and till now but soon going to close it. There are no annual fees which is levied on this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 3 years, they provide good services on credit card when compared to other credit cards. This is a zero annual fee credit card, i get good offers like reward points in this credit card. I use this credit card mainly for shopping purpose and the credit limit is sufficient.
      Was this review helpful? 0
      , surat
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with HDFC bank. They approved my credit card application and provided me a HDFC bank Master credit card. There is no annual fees applied to my credit card. I have been using this credit card for the past 2 months. So far this is a very good card for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC credit card for 2 years. I got money back credit card, the offers are not good. They have provided the helpline number, it is not easy to contact the customer support. When I call the customer call it takes around one minute and it keeps giving option to choose.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      There are offers on the credit card of HDFC Bank. The experience is good as I had not faced any hassles in the process or billing till date. The customer services are good and they are responsive when I reach out to them. The charges are normal as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Highly admired "
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC bank 2 months back . They have offered money back International credit card and I am getting rewards points , cashback offers which is amazing here here. The credit limit was 75,000 and the validity of the card is till 2022. My overall experience was excellent and Its highly recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Good experience"
      0.5 4.0/5 "Great!"
      I have my credit card with HDFC bank which was taken 2 years back. The credit limit was 65,000 and I am using the diner club International credit card. The customer service and responses was very good . The charges are nominal in case of late payment and I am satisfied with the interest rate also. The validity of the card is till 2021 and I have 24/7 helpline number .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using Regalia credit card for two years. I can redeem my reward points, it can be given a gifts or gift vouchers but cannot be added to my credit limit thats the only drawback. The payment method is convenient. The credit limit was happy and very much satisfied. The customer support is easily approachable.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
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