HDFC Corporate Platinum Credit Card Review

The HDFC Corporate Platinum Credit Card is a good choice for those who want a premium corporate credit card at a low cost. This card comes with lucrative offers like free domestic and international lounge access, reward point on every purchase, complementary insurance coverage, and some very useful tool that will help you to run your business more smoothly. There are two hdfc credit card variants available; MasterCard and Visa, the rest of the details are discussed below. 

HDFC corporate credit card 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 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. 

Documents required to apply for new hdfc 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:
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

 As per the new credit card rules , all new credit cards are delivered in an inactive state, and you need to activate them manually. Now if you are thinking about how to activate my hdfc credit card for the first time? then take a look at the 100xGain FAQ page the hdfc credit card activation process is discussed there. 


  • Joining Fee: This Will be communicated at the time of application. 
  • Annual Fee: This Will be communicated at the time of application.

There are several options available to make your HDFC credit card payments, You make payment for hdfc credit card online via net banking, or by using any credit card payment app. But If you don’t like the online payment option then you can pay your hdfc credit card due balance offline via cheque, from your nearby ATM, or by visiting your nearby HDFC branch. If you need the hdfc bank credit card ifsc code then you can find it here


  • Attractive rewards on every transaction:

This hdfc corporate card offers attractive rewards on almost every transaction. For each Rs. 150 transactions you will get 3 reward points. You can earn a maximum of 6000 points in a credit cycle. 

The redemption of hdfc credit card reward points can be done in a number of ways; you can redeem those points into air miles for all the leading domestic and international airlines, you can also use them for hotel booking and to get a product from the online hdfc credit card reward points redemption catalog.

These reward points are valid for up to 2 years from the date of their accumulation. You can check your reward balance from the hdfc credit card online statement which can be downloaded from the HDFC credit card mobile app

  • Free domestic and international lounge access:

Under the HDFC bank lounge access program, you will get up to 8 free access to the leading domestic lounges. If you are a Visa card user then click here to find the hdfc credit card list of participating lounges, you can also find the list of MasterCard lounges here. 

 As per new credit card regulations online and international transactions on new credit cards are turned off. So if you can’t use your card during your international trip then just turn on the options from the hdfc credit card mobile app. If you are interested to know how to enable online transaction in hdfc credit card ? then feel free to take a look at our FAQ page

  • Freedom from fuel surcharges:

If you use this card for fuel purchase, you will get a 1% waiver on fuel surcharges. This offer is available at most of the fuel stations in India. The transaction amount should be between Rs. 5,000 to Rs. 400 and you can earn a maximum of Rs. 500 waiver in a credit cycle. 

  • Corporate liability coverage:

On this corporate credit card hdfc bank offers corporate liability coverage for the cardholder, the HDFC corporate credit card insurance coverage scheme is discussed below. 

Particulars Total coverage Amount
Air accidental death coverage Rs. 1 crore. 
Emergency hospitalization coverage (while traveling outside India) Rs. 1 lakh. 
Flight delay coverage.  Rs. 15,000
Lost baggage coverage.  Rs. 15,000
Flight missing. Rs. 15,000

The insurance coverage scheme is applicable for the primary cardholder only. Click here for the detailed HDFC credit card terms and conditions

  • Lifetime free add on cards:

Using the add-on card feature, you can issue some add-on hdfc credit card for corporate employees so that they can perform office-related expenses by themselves. You can also track the add-on hdfc credit card usage details from the HDFC netbanking credit card account. You can also set a daily transaction limit for your add-on members. 

  • Tools and helpful services that can make your life much smoother:

This hdfc bank corporate credit card comes with a bunch of useful tools and benefits, each of the tools and the benefits are discussed in the table below. 

Individual tools and benefits Uses
Advanced reporting tools.
  • Detailed reports on spend categories, expenses anytime you want. 
  • Detailed transaction history of each of your add-on members. 
Convenient resolution process.
  • Easy access to domestic and international transaction reports.
  • Easy and convenient claiming process.
  • Minimal processing time. 
Extra savings.
  • Up to 50 days of interest-free period. 
  • Extra savings on flights and hotel bookings. 
  • A dedicated portal for all your corporate needs:

The SmartBuy portal is dedicated to all your corporate needs. It features several useful features including hotel and flight booking, hdfc credit card rewards online redemption . If you redeem your rewards through Smartbuy, then the value of 1 reward point in hdfc credit card will be equal to Rs. 0.30. 

  • Easy application process:

HDFC Bank offers a seamless application process for its customers. You can online apply for hdfc bank credit card from the HDFC official website or by visiting your nearby HDFC branchOnce your hdfc credit card application is submitted successfully, you can track hdfc bank credit card application using the application from the hdfc credit card tracking page

  • Advanced contactless payment facility:

This corporate hdfc credit card comes with an advanced contactless payment facility; it allows you to make a contactless payment with just a wave at any secure reader machine. This feature is very helpful in preventing credit card skimming. For security reasons, the maximum transaction limit is set to Rs. 5000 per transaction. You can also control the credit card contactless transaction option from the HDFC online credit card net banking account.  

HDFC bank credit card charges:

Particulars Payable amount
Cash Withdrawal Charge 2.5% against the transaction amount (min Rs. 500). Check your available limit beforehand to avoid the hdfc credit card over limit penalty.
Finance Charges 3.6% monthly or 43.2% annually (applicable even if the minimum amount due on credit card is paid)
Foreign currency conversion charge 3.49% against the transaction amount.
Add-on credit card charge . Free for a lifetime.

HDFC corporate credit card customer care contact details:

  • Call the hdfc corporate credit card customer care number : 1800-266-4332 (Toll-free) 022-616-6161
  • Write to the hdfc credit card email address : 
  • You can also chat with hdfc credit card chatbot EVA.

If you don’t want to continue with your pld HDFC credit card, then you can close it very easily, The procedure for cancellation of hdfc credit card is discussed on our FAQ page

100xGain Ratings: 


Final Opinion:

If you are looking for a premium quality business credit card that can offer you some premium features and benefits, then this card will be a solid choice for you. It packs some essential business-related benefits like free domestic lounge access, useful business tools, insurance coverage, and some other useful tools that will help you to run your business much smoother. 

But this card does not feature any dining benefits or discounts on flights, otherwise, if you are looking for premiums at a low cost this card will be a very good option for you.  

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