The HDFC Bank Central Travel Account Credit Card is a specially curated credit card that helps you to eliminate travel-related paperwork. Maintaining paperwork can be difficult, especially when things come to the corporate level, and this hdfc corporate credit card can solve this problem by offering some useful tools and easy access to funding. It is much like a tool designed to make your life much easier. More details of the card are discussed below.
Table of Contents
Eligibility Criteria:
This card is not meant for personal use, you can only get this card on behalf of your company.
- Resident Type: Indian
- The age of the applicant should be between 21 to 65 years.
- The applicant company should be trading for at least 2 years.
- The minimum annual turnover of the company should be Rs. 10 Crore.
- A long relationship with the bank will help you to get this card.
- An excellent credit score (above 780) is needed to apply for this card.
You can apply for this card from the hdfc online credit card application portal, or by visiting your nearby HDFC branch. Once your hdfc credit card application is submitted successfully you can track your hdfc credit card online status using the application number.
Required Documents:
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Passport
- Utility bills
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- Passport
- PAN Card
- Two recent passport-sized photographs
- Proof of income statement:
- Salary Slip of last 3 months
- ITR (Income Tax Return)
As per the new rbi guidelines on credit card issuers, all new HDFC credit cards are delivered in an inactive state, and you need to activate them manually, by generating a hdfc credit card 3d secure PIN. The hdfc credit card new pin generation process is discussed on our FAQ page.
Fee:
- Joining Fee: None.
- Annual Fee: This will be discussed at the time of approval.
HDFC Credit Card Benefits:
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Customized travel expenses:
Using this card you will get clear visibility of the actual air line’s costs. Also, this card will allow you to collaborate with a travel management company so that you can manage your travel expenses easily.
If you want to use your credit card for international transactions, then you need to turn on the hdfc international credit card transaction option from the HDFC net banking credit card account.
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Freedom from paperwork:
Just put your travel expenses on this card and you won’t need to worry about paperwork. This card will automatically join with your existing ERP system, giving you freedom from piles of papers.
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Advanced reporting tools:
This card gives you 24X7 access to customized MIS reports and spending analysis, which is essential to determine the performance of your company. You can also download your credit card statement before your hdfc credit card billing date from the HDFC credit card mobile app.
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Easy bill payment option:
There are numerous options to pay your credit card bill online. You can make your hdfc credit card payment through netbanking account, PayZapp, or by using any credit card payments app . But if you want to use the most time-consuming way, then you can pay your bills offline via Cheque, NEFT, ATM, or from your nearby HDFC Branch. You can find more about the hdfc bank credit card neft payment methods from the 100xGain FAQ page.
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Contactless payment system:
This business credit card is equipped with an advanced contactless payment system, which allows you to make payment with just a wave at any secure reader machine. This hdfc bank credit card payment method is very helpful in eliminating credit card skimming.
For security reasons, credit card contactless payment is limited to Rs. 5000 per transaction. You can also set your own desired limit from your net banking account.
Charges:
| Particulars | Payable amount |
| Cash Withdrawal Charge | The credit card cash withdrawal feature is not available on this card. |
| Finance Charges | The HDFC credit card interest rates are quite higher but for this card, it is 1.50% monthly. |
| Foreign currency conversion charge | 3.5% against the transaction amount. |
HDFC Credit Card Division Contact Details:
- Call the hdfc credit card contact number: 1800-266-4332 (Toll-free) or 022-616-6161
- Write to the hdfc credit card grievance email id: customerservices.cards@hdfcbank.com
- You can also chat with the hdfc credit card eva chatbot.
100xGain Ratings:
6/10
If you don’t want to continue with your old credit card, then you can close it very easily, just fill up the HDFC credit card closure form and send it to the HDFC credit card office address given on the form. You can download the hdfc bank credit card closure form from the hdfc credit card from center.
Final Opinion:
If you are looking for an affordable way to get rid of paperwork, then this card will be a good option for you. As said before it is much like a tool that can give you freedom from very hard-to-manage paperwork. But if you are looking for benefits like reward points, lounge access, fuel surcharge waiver, etc. then you will be disappointed with this card. In this case, I would recommend you to take a look at the 100xGain top 10 business credit card page.