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 hdfc corporate card comes with lucrative offers like free domestic and international lounge access, hdfc rewards on every purchase, complimentary insurance coverage, and some very useful hdfc credit card features that will help you to run your business more smoothly. There are two hdfc credit card variants available; MasterCard and Visa, more about the hdfc platinum card benefits are discussed below. 

Who can apply for an HDFC platinum corporate credit card?

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

• Resident Type: Indian
• HDFC corporate credit card age requirement: 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 credit score of 780+ is needed to apply hdfc credit card. 

What documents are 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 platinum cards are delivered in an inactive state. So, 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. 

What are the hdfc bank corporate platinum card fees?

• HDFC bank card joining fee: This Will be communicated at the time of application. 
• HDFC credit card annual fee: This Will be communicated at the time of application.

What are the hdfc corporate credit card benefits?

• Make your every transaction rewarding:

This hdfc corporate card offers 3 reward points for every Rs.150 transaction made with this card. You can earn a maximum of 6000 points in a hdfc card statement cycle. 

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

You can check your reward balance from the hdfc credit card online statement which can be downloaded from the hdfc credit card mobile app. 

• Add comfort to your travel:

Under the hdfc platinum card lounge access program, you will get up to 8 free yearly access to the leading domestic lounges.  Click here for the hdfc corporate platinum credit card lounge access list. You can also find the hdfc bank mastercard lounges here. 

• Get freedom from fuel surcharges:

This hdfc platinum credit card offers a 1% fuel surcharge waiver across all 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 surcharge waiver in an hdfc bank credit card billing cycle. 

• Complimentary corporate liability coverage:

On this corporate platinum credit card hdfc bank offers corporate liability coverage for the cardholder.

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 insurance	Rs.15,000
Flight missing	Rs.15,000

The hdfc bank credit card insurance coverage is applicable for the primary credit card holder only. Click here for the detailed HDFC credit card terms and conditions. 

• Enjoy the convenience of useful business tools:

This hdfc bank corporate credit card comes with a bunch of useful tools and benefits, the details are mentioned below. 

Individual tools and benefits	Use
Advanced reporting tools	Detailed reports on spend categories, and expenses anytime you want.  Detailed hdfc credit card usage details of each of your add-on members.
Convenient resolution process	Easy access to international and domestic credit card transaction reports. Easy and convenient claiming process. Minimal processing time.
Extra savings	Up to 50 days of the interest free period in credit cards.  Extra savings on flights and hotel bookings.

• A dedicated portal for all your needs:

The hdfc bank smart buy portal is dedicated to all your corporate needs. It features several useful deals on hotel and flight booking, and on hdfc credit card rewards online redemption. If you redeem your hdfc points through Smartbuy, then 1 hdfc credit card reward points value in rupees 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 credit card apply online page or from your nearby HDFC branch. Once 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. 

• Enjoy the convenience of the contactless payment facility:

This corporate hdfc credit card comes with an advanced contactless payment facility; it allows you to make payments just by placing your hdfc credit card over any contactless-enabled POS machine. You can control the credit card contactless transaction option from the HDFC online credit card net banking account.  

What are the hdfc bank credit card charges?

Particulars	Payable amount
HDFC bank credit card cash advance charges	2.5% against the transaction amount (min Rs. 500). Check your hdfc platinum credit card limit before making a withdrawal.
HDFC platinum card finance charges	3.6% monthly or 43.2% annually (applicable even if your hdfc credit card due balance is not paid in time.)
HDFC international transaction charge	3.49% against the transaction amount.
Add-on credit card charge	Free for a lifetime

As per new hdfc credit card usage rules, online and international transactions on hdfc new credit cards are turned off. So if you are interested to know how to enable online transactions in hdfc credit card? then feel free to visit our hdfc bank card FAQ page. 

How to contact the hdfc corporate credit card customer care department?

• Call the hdfc corporate credit card customer care number: 1800-266-4332 (Toll-Free) / 1800-202-6161(Toll-Free) or 022-6160-6161
• Write to the hdfc credit card email address: customerservices.cards@hdfcbank.com 
• You can also chat with hdfc credit card chatbot EVA.

100xGain Ratings: 

7.5/10

Pros and cons of the platinum hdfc credit card:

Pros	Cons
You can earn useful hdfc credit card reward points with every transaction. This hdfc platinum card gives you free access to airport lounges.	There are no travel booking or dining benefits of this business credit card.

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

Final Opinion:

If you are looking for a premium quality corporate credit card that can offer you some premium features and benefits, then this hdfc platinum credit card will be the best hdfc credit card for you. It packs some essential business-related benefits like free domestic lounge access, useful business tools, insurance coverage, and some other useful hdfc corporate banking facilities that will help you to run your business more smoothly. 

   But this hdfc platinum card does not feature any dining benefits or discounts on flights. So, if you want some better options then make sure to take a look at our best corporate credit cards page. 

Alternative cards of this hdfc bank premium credit card: 

1. HDFC Corporate Visa Signature Credit Card (Best for reward and lounge benefits) 
2. HDFC Corporate World MasterCard Credit Card (Best for reward and lounge benefits) 
3. HDFC Purchase Credit Card (Best for corporate tools)