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  • HDFC Bank Corporate Platinum Credit Card

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    Key Highlights of the HDFC Corporate Platinum Credit Card

    • 24/7 MIS availability
    • Spending analysis offered by category
    • Expenses reports
    • For every Rs.150 spent, 3 reward points are added.
    • Accelerated reward points of 10X on expenses with merchant partners.
    • Fuel surcharge waived off on fuel transactions.
    • Exclusive airport lounge access.

    Benefits and Features of the HDFC Corporate Platinum Credit Card

    Corporate Benefits of the Corporate Platinum Credit Card

    • You will be receiving up to 60 Management Information System reports for better business decisions.
    • Along with this, you will also get expense reports on your credit card activity.
    • The bank also will provide you with cost allocation and analysis.
    • The corporate companies receive adequate savings with negotiations made with airlines, restaurants and hotel chains.
    • With the help of the Management Information System, paperwork will be reduced with simplifying reconciliation and other tasks.

    Reward Point Benefits of the Corporate Platinum Credit Card

    • For every Rs.150 spent, you will get 3 reward points on the card.
    • The reward points will be subjected to a maximum of 6,000 per statement cycle.
    • These points can also be redeemed against AirMiles as well.

    Lounge Access Benefits

    • With the Corporate Platinum card, you can visit up to 8 airport lounges in the country per year on a complimentary basis.

    Fuel Benefits

    • Fuel surcharge will be waived by 1% on all fuel purchases ranging between Rs.400 and Rs.5,000.
    • This waiver will be applicable on all petrol pumps in the country.

    Insurance Benefits

    • With the credit card, the bank offers you an air accident insurance cover of Rs.1 crore.
    • For accidental death in road or train travel, the insurance coverage offered is Rs.3 lakh.

    HDFC Bank Corporate Platinum Credit Card Limit

    The credit limit of this card will be at the discretion of the bank as well as the business or corporate company. However, the general factors for the credit limit will still be taken into consideration such as your credit score, credit report as well as your repayment habits of your past and any ongoing loans.

    Latest Offers by the HDFC Bank Corporate Platinum Credit Card

    • Visit the Titan store and get a cashback of 5% on transactions of Rs.5,000 or more with your credit card.
    • Make the most of your shopping purchases with a 10% discount on a minimum purchase amount of Rs.5,000 on Myntra.
    • Enjoy a discount of 20% on your bookings made on Zoomcar by adding the promocode ALHDFC.
    • Avail a Rs.500 instant discount on shopping at by adding a coupon code of AJIOHDFC500.
    • Get an instant discount of Rs.500 on your purchases made on with a minimum purchase amount of Rs.3,000

    Reward Points by the HDFC Bank Corporate Platinum Credit Card

    This credit card by HDFC Bank offers reward point benefits for the cardholder. The reward point benefits of the card are as follows:

    • The bank rewards you with 3 points for every Rs.150 spent on the credit card.
    • These points can be redeemed for purchases on the exclusive HDFC rewards catalogue.
    • You can also redeem your reward points in exchange for AirMiles. 1 reward point = 1 AirMile.
    • Your reward points will be valid for 2 years after the date of accumulation.

    How to redeem reward points earned on the HDFC Bank Corporate Platinum Credit Card

    Reward points can be redeemed through two methods, offline and online.

    If you wish to redeem your points offline, you can download the rewards redemption form from the bank website. You will need to fill the details and then sent to the following address:

    Rewards Helpdesk,

    HDFC Bank Cards Division,

    P.O. Box No. 8654,

    Thiruvanmiyur, P.O.,

    Chennai - 600041.

    To redeem your point online, here are the steps you need to follow:

    • Log in to your HDFC Bank net banking account.
    • Click on the 'credit card'.
    • Register the card, click on the 'redeem reward points' and select 'continue'.
    • You will be redirected to the rewards redemption page.
    • Click on 'Redeem Reward Points'.
    • Select the category of the item you need.
    • Once done, choose the points range to check the various products.
    • You can select the items and add them to your cart.
    • To check the products you have chosen, click on 'view your shopping cart'.
    • Read the terms and condition and check the box.
    • Click on 'redeem'. A redemption order number which is given must be noted down for future references.

    Fees and Charges on the HDFC Bank Corporate Platinum Credit Card

    Type of Charge Amount
    Annual fee Free
    Additional card fee Free
    Interest-free period Up to 50 days
    Minimum repayment amount 5% or a minimum of Rs.200
    Charges on revolving credit 3.49% per month
    Late payment charges If the statement balance is less than Rs.100 - Nil

    Between Rs.100 and Rs.500 - Rs.100

    Between Rs.500 and Rs.5,000 - Rs.500

    Between Rs.5,001 and Rs.10,000 - Rs.600

    Between Rs.10,001 and Rs.25,000 - Rs.800

    More than Rs.25,000 - Rs.950

    Cash advance limit 40% of the credit limit - Corporate Liability

    30% of credit limit - Individual Liability

    Cash advance charges 2.5% of the amount withdrawn or Rs.500, whichever is higher
    Charges on over limit account 2.5% of the over limit amount subjected to a minimum of Rs.500
    Payment return charges 2% of the payment amount subjected to a minimum of Rs.450.
    Balance transfer processing charges 1% of the balance transfer amount or Rs.250. The higher amount will be taken.
    Cash processing fee Rs.100
    Retrieval Fee (Charge Slip) Rs.125 per charge slip.
    Fuel transaction charges 1% surcharge will be waived off. Maximum waiver is Rs.500 per statement cycle
    Outstation cheque processing charges Cheque value of up to Rs.5,000 - Rs.25

    Cheque value of more than Rs.5,000 - Rs.50

    Rewards redemption fee Rs.99 per redemption request
    Foreign currency transactions 2.5%
    Railway ticket purchase fee 1.8% of the transaction amount + GST
    Reissue of a stolen, lost or damaged card Rs.100

    Eligibility Criteria for the HDFC Bank Corporate Platinum Credit Card

    • The primary cardholder must be a resident or a non-resident of India.
    • The add-on cardholder should be at least 15 years of age.
    • If the primary applicant is a self-employed individual, he or she must be between the ages of 21 years and 65 years.
    • If the cardholder is a salaried individual, he or she must be between the age of 21 years and 60 years

    Documents required for applying for the HDFC Bank Corporate Platinum Credit Card

    • Duly filled application form
    • Copy of Form 60 and PAN card.
    • Address proof which should include PAN card, Passport, Aadhaar card or a copy of your electricity bill.
    • Proof of income which can include a copy of your Form 16, latest salary slips or IT returns.
    • 2 passport-sized coloured photographs.
    • An identity proof which includes Aadhaar card, PAN card or driving license.

    HDFC Bank Corporate Platinum Credit Card FAQs

    • What is the cash advance fee that is levied?

    The cash advance fee levied on the withdrawal of cash using your Corporate Platinum Credit Card is 2.5% of the amount withdrawn or Rs. 300, whichever is higher.

    • How is over limit charges calculated on my Corporate Platinum Credit Card?

    Over limit charges are levied on the outstanding amount that exceeds the credit limit. The over limit charge is either 2.5% of the over limit amount, or Rs.500, whichever is higher.

    • From when is the finance charge on cash advance applicable?

    Finance charges are applicable on the cash advance made, from the date of the transaction till the date of repayment.

    • What is the charge levied on outstation cheque processing?

    For a cheque value of less than Rs.5000, a fee of Rs. 25 is levied, and for cheque value of more than Rs. 5000, a fee of Rs.50 is levied.

    • Are any charges levied on Foreign Currency transactions using Corporate Platinum Credit Card?

    Yes. The Bank charges 3.5% as cross-currency mark-up.


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    HDFC Bank Corporate Platinum Credit Card Reviews

    • HDFC Bank Credit Card
      "Legal loot by bank"
      0.5 0.5/5 "Unacceptable"
      Do not opt for HDFC credit cards. They just loot customers with monthly finance charges when compared to other banks like HSBC. They may block your credit card once you use it upto its limit and ask you to make complete payment within 1 month. They dont even notify you of blocking your credit card or any communication. You cannot even redeem your reward points from hdfc bank. I strongly suggest DO NOT GO for HDFC credit cards. Instead HSBC credit card is far better in service and trustworthy.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Aug 24, 2018
    • HDFC Bank
      HDFC Bank Credit Card
      "No hidden charges in HDFC"
      0.5 4.5/5 "Excellent!"
      Since it is a corporate card, I don't use to pay anything for having this card like service charges or annual charges. They were giving a offers differently. For some stores, they are giving 5% cashback offers on Groceries in online and offline. For movie tickets, they are giving 10% offers. I can swipe the card maximum of 3 times to get the offer. I have been using this card for 1 year. They have to increase the credit limit according to the financial year.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 25, 2018
    • HDFC Bank Credit Card
      0.5 4.0/5 "Great!"
      It was a awesome experience with HDFC for my platinum card service they provide me with good offers also the interest rate and fees and charges was fine with HDFC compare to others in the market. The customer service was prompt with HDFC it was totally a good experience with HDFC for my platinum card service.
      Was this review helpful? 0
      , lucknow
      Reviewed on Nov 17, 2017
    • HDFC Bank Credit Card
      "Very Bad Service"
      0.5 0.5/5 "Unacceptable"
      Bad experience i ever had. Not able to resolve my credit card issue.On every call they promise to fix the issue within 48hrs which is always false promise.Asked them to connect to their manager that too didn't happened.Not going to refer to anybody.
      Was this review helpful? 4
      , bangalore
      Reviewed on Dec 07, 2016
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