HDFC Bank Central Travel Account Credit Card Review

The HDFC Central Travel Account is a specially curated hdfc business card designed to reduce the load of 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 useful hdfc credit card features and easy access to funding. It is much like a tool designed to make your life much easier. More details about this hdfc business credit card are discussed below. 

How does the hdfc credit card eligibility work?

This hdfc bank card is not meant for personal use, you can only get this card on behalf of your company. 

• Resident Type: Indian
• hdfc credit card age limit: 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. 
• An excellent credit score of 760+ is needed to apply for this hdfc bank credit card. 

You can apply for this card from the hdfc credit card apply online portal, or by visiting your nearby HDFC branch. The complete hdfc credit card application process is discussed on our hdfc faq page.

What documents are required to apply for an hdfc business credit card?

• 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 hdfc bank new 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. 

What are the hdfc credit card fees?

• HDFC credit card joining fee: None, it is a zero joining fee credit card. 
• HDFC credit card annual fee: None.

What are the hdfc bank central travel account credit card benefits? 

• Control over travel expenses:

Using this hdfc business credit card you will get clear visibility of the actual airline’s costs. Also, by collaborating with a travel management company, this hdfc bank card can offer you the ease of travel management. 

• Freedom from paperwork:

Just put your travel expenses on this hdfc credit card and you won’t need to worry about paperwork. This corporate hdfc credit card will automatically sync with your existing ERP system, giving you freedom from piles of papers. 

• Advanced reporting tools:

This hdfc credit 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 netbanking account. 

• Instant hdfc credit card payment options:

You are allowed to pay your hdfc credit card payment through net banking account, hdfc credit card app, or by using any credit card payments app like Cred, Paytm, PhonePe, Google Pay, etc. You can also find more about the offline hdfc bill payment methods from the 100xGain FAQ page. 

• Enjoy the convenience of the contactless payment facility:

This HDFC business credit card is equipped with the contactless credit card technology, which allows you to make payments just by placing your hdfc card over any contactless-enabled POS machine. You can control the contactless payment option from your hdfc netbanking credit card account.

What are the hdfc credit card charges?

Particulars	Payable amount
HDFC credit card withdrawal charges	The credit card cash withdrawal feature is not available on this hdfc visa card.
HDFC credit card finance charges	This hdfc credit card interest rate is 1.50% monthly (applicable if your hdfc bank credit card payment is not made in time)
HDFC international credit card transaction charge	3.5% against the transaction amount.

If you have queries like, ‘Which HDFC card is eligible for airport lounge access?’ or ‘Which HDFC credit card is best for international use?’ then you can visit our HDFC cards page and compare the available credit cards.

How to contact hdfc credit card customer care department?

• 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: 

6.5/10

Pros and cons of this hdfc bank business credit card:

Pros	Cons
This hdfc corporate card comes with a number of unique credit card facilities which are really helpful for business owners. It is a lifetime free hdfc credit card	There are no dining or travel booking benefits on this hdfc bank credit card.

If you don’t want to continue with your old credit card, then You can download the hdfc bank credit card closure form from the hdfc credit card from center . You can find the complete process on our faq page.

Final Opinion:

If you are looking for an affordable way to get rid of business-related paperwork, then this card will be the best hdfc credit card 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, or travel booking benefits, then you will be disappointed with this hdfc business credit card. In this case, I would recommend you to take a look at our best business credit cards page. You can also compare the alternative card options given below.

Alternative cards of the hdfc lifetime free credit card: 

1. Kotak Best Price Credit Card (Best for business-related benefits)
2. HDFC Business MoneyBack Credit Card (Best for cashback and dining benefits)
3. HDFC business regalia first credit card (Best for lounge and dining benefits)
4. HDFC Corporate Premium Credit Card (Best for reward and lounge access benefits) 

Now you might be thinking, ‘What is Central travel account?’ here is the answer-

CTAs (Central Travel Accounts) are a component of MasterCard Business Travel Solutions, that are deposited at a travel agency to cover travel expenses for many people within an organization.