HDFC Corporate Visa Signature Credit Card Review

The hdfc corporate visa signature credit card is a premium quality hdfc corporate credit card, dedicated to making your business trips comfortable. It packs some really helpful features and benefits like free lounge access, hdfc rewards on every transaction, handsome fuel surcharge waivers, and a number of other unique credit card features and benefits that will help you to run your business more smoothly. More about the HDFC visa signature credit card benefits are discussed below. 

How does the hdfc bank credit card eligibility work?

This hdfc signature credit card is not meant for personal use, you can only get this corporate 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 credit score of 760+ is needed to apply for this hdfc visa credit card.

 You can apply for this visa corporate card from the hdfc bank credit card online application page. Once your credit card application form is submitted successfully you can track the status of your application from the hdfc online credit card status tracking page. The complete process is discussed on our hdfc faq page.

What documents are required to apply for this hdfc visa signature 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 credit card security rules, all new hdfc cards are delivered in an inactive state, but you can activate them manually by generating a new hdfc credit card pin. The hdfc bank credit card pin generation online process is discussed on the 100xGain FAQ page

What are the hdfc credit card fees?

  • HDFC visa signature card joining fee: None. 
  • HDFC credit card annual fee: Free for a lifetime. 

What are the HDFC corporate signature card benefits? 

  • Make every transaction rewarding:

You can earn hdfc card rewards for almost every transaction made with this hdfc visa card. For each Rs.150 transaction, you will get 2 corporate rewards

The hdfc bank credit card reward points redemption procedure is very easy, you can convert them into air miles and use them to book hotels and flights, you can also redeem them into cash or use them to get a product from the hdfc credit card points redemption online catalog

To redeem your HDFC credit card rewards points into cash, download the hdfc credit card cash redemption form and send it to the hdfc credit card division email address

  • Free access to domestic and international lounges:

Using the hdfc credit card priority pass membership that comes with this card, you will get 6 free yearly access to over 1200+ airport lounges worldwide

Also under the hdfc credit card lounge access program, you will get up to 8 free access to most of the domestic Visa lounges  

  • Freedom from fuel surcharge:

This life time free hdfc credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. This hdfc card offer is applicable on transactions between Rs. 400 to Rs. 5,000. You can earn a maximum of Rs.1000 waiver in a hdfc credit card billing cycle

  • Useful tools that will make your life easier:

This lifetime-free hdfc credit card comes with a number of useful tools to make business management easier for you.

Individual tools


Advanced reporting tools.
  • Detailed reports on spend categories, and expenses anytime you want. 
  • Reports on hdfc credit card usage details of each of your add-on members. 
Convenient resolution process.
  • Easy access to domestic and international credit card transaction reports.
  • Easy and convenient hdfc credit card settlement process.
  • Minimal processing time. 
  • Complimentary hdfc credit card insurance coverage:

This hdfc lifetime free credit card comes with air accidental insurance coverage of Rs.1 crore. You will also get coverage of Rs.3 lakh against road and railway accidents.  

  • Instant hdfc credit card payment options:

You can make your hdfc bank credit card payment through hdfc netbanking account, or by using any credit card payment app like cred app, Paytm, PhonePe, Google Pay, etc. But if you don’t like the hdfc bank credit card online bill payment method then you can also pay your credit card bill offline  

  • Contactless payment facility: 

This hdfc signature card is equipped with advanced contactless credit card technology. This hdfc credit card payment method allows you to make payments with just a wave at any secure reader machine. 

What are the hdfc bank credit card charges?


Chargeable amount

HDFC credit card cash withdrawal charges 2.5% against the withdrawn amount (min Rs. 500). Check your hdfc credit card limit before making a withdrawal.
HDFC corporate card finance charge The hdfc credit card interest rate can go up to 3.25% monthly or 39% annually (Applicable if your hdfc credit card bill is not paid in time)
HDFC international credit card transaction charge 3.5% against the transaction amount
HDFC add on credit card fee Free for a lifetime

One of the most searched questions is, ‘Do Visa Signature cards have a credit limit?’ the answer is yes, visa signature credit cards come with a high credit limit which may vary depending on the applicant’s credibility.

How to reach hdfc credit card customer care department?

  • Call the hdfc customer care toll-free number for credit card: 1800-266-4332 (Toll Free) or 022-6160-6161
  • Write to the hdfc credit card complaints mail id: 

100xGain Ratings: 


Pros and cons of this visa corporate card:



  • You will get a complimentary hdfc bank priority pass membership.
  • You can earn reward points with every transaction.
  • It is a hdfc lifetime free credit card.
  • There are no travel booking benefits on this HDFC signature card.

Final Opinion:

If you are looking for an affordable way to make your business trips much more premium, then this can be the best hdfc credit card for you. It offers free access to domestic and international lounges, hdfc credit card rewards on every transaction, complimentary hdfc credit card insurance coverage, and some useful corporate features that will help you to make your life much easier. 

But this HDFC signature credit card has some minor flaws; it does not offer anything in dining or travel booking categories. But this won’t be a deal-breaker since this card comes free of cost. So if you are eligible then you must go for this hdfc corporate card

Alternative of the HDFC visa signature credit card: 

  1. HDFC Corporate Premium Credit Card (Best for reward and lounge benefits) 
  2. HDFC Corporate World MasterCard Credit Card (Best for reward and lounge benefits) 

People often ask, ‘Which is Better Visa Platinum or Visa Signature?’ in terms of benefits, visa platinum credit cards are much more premium than visa signature credit cards.


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