HDFC Purchase Credit Card Review

The HDFC Purchase credit card is a special hdfc business credit card designed to take care of your purchase-related paperwork. Business owners need to maintain a lot of paperwork to keep track of spending, and this card can give you freedom from the huge pile of papers by offering some extremely useful tools and easy access to funding. Also, hdfc credit card offers up to 45 days of interest-free period, more about the hdfc credit card benefits are discussed below. 

How does the hdfc credit card eligibility work?

This hdfc 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 requirement: 21 to 65 years. 
  • The applicant’s company should be trading for at least 2 years. 
  • The minimum annual turnover of the company should be Rs. 10 Crore. 
  • HDFC bank CIBIL score requirement: A credit score of 750+ is needed to apply for this card.

What documents are required for an hdfc credit card application?

  • 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:
    • Income tax return of the last year
    • Proof of business

As per the new hdfc credit card rules, all hdfc new credit cards are delivered in an inactive state, and you need to activate them manually by generating a new credit card pin. The complete hdfc bank credit card pin generation process is discussed on the hdfc card FAQ page

What are the hdfc purchase card fees?

  • HDFC bank credit card joining fee: None. 
  • HDFC credit card annual fee: This Will be discussed at the time of approval. 

What are the hdfc credit card benefits?

  • Get freedom from paperwork:

Using this hdfc credit card you can save a lot of your precious time from maintaining paper works like Purchase orders, invoices, Supplier payments, and invest that extra time for the betterment of your company. 

The monthly hdfc credit card bill statement is designed in such a way that it can do the job of all the above-mentioned documents. You can get hdfc credit card statement anytime you want from your hdfc credit card net banking account

  • Get better control of card transactions:

You will have the authority to put restrictions on a particular type of credit card transaction or a particular vendor, which gives you complete control over your hdfc credit card accountAlso, it will give you freedom from the long payment processing time of payment cheques or NEFT transfers.

  • Advanced accounting tools:

With this purchase card hdfc bank offers advanced accounting tools that come along with this card, you can get a detailed monthly credit card usage report which will help you to analyze the monthly expenses better. 

  • Instant hdfc credit card payment options:

There are a number of options available to pay hdfc credit card bill. You can make your hdfc credit card payment online through your net banking account, or by using any credit card payment app like Cred, Paytm, Phone Pe, Google Pay, etc. 

You can also choose the offline hdfc credit card bill payment methods and make your hdfc credit card payment through neft transfer, cheque, or from your nearby ATM. 

  • Easy HDFC credit card application process:

You can apply for this hdfc business credit card online from the HDFC credit card online application portalOnce your online application of credit card is submitted successfully, you can track your hdfc credit card status using application no or the registered mobile number.

  • Get the convenience of the contactless payment facility:

This purchase hdfc credit card is equipped with an advanced contactless credit card payment system, this credit card feature allows you to make payments just by placing your card over any contactless-enabled POS machine. 

But, if you notice something unusual with your hdfc credit card account, you can temporarily block your hdfc bank credit card number by calling the toll-free no of hdfc credit card customer service. 

What are the hdfc bank credit card charges?


Payable amount

HDFC credit card charges on cash withdrawal Not applicable
HDFC bank credit card finance charges The hdfc credit card interest rate can go up to 2.95% monthly. Applicable if your hdfc card payment is not made in time. 
HDFC international credit card transaction charge 3.5% against the transaction amount.

If you have queries like, how to convert hdfc credit card purchase into emi? then make sure to visit our faq page.

How can I talk to hdfc credit card customer care department?

  • Call the hdfc credit card toll-free customer care no: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc credit card customer care email id: 

100xGain Ratings: 


Pros and cons of the HDFC purchase credit card:



  • This hdfc credit card offers a number of useful tools that make accounting a lot easier for you.
  • There are no travel booking benefits on this hdfc bank card.
  • There are no cash back or discount offers on this hdfc bank card.

Final Opinion: 

If you are looking for a tool that can save you tons of paperwork and give you free access to credit, then this hdfc corporate credit card will be very helpful for you. It offers advanced reporting tools and other helpful credit card services that will help you to save a lot of time and effort. 

But if you want to earn benefits like hdfc credit card points, lounge access, fuel surcharge waiver, or insurance coverage, then you will be disappointed with this hdfc business credit card. In this case, you can take a look at our best business credit cards page. It will help you to find your choice. 

Alternative cards of HDFC Purchase Credit Card: 

  1. HDFC Corporate Platinum Credit Card (Best for reward and lounge benefits) 
  2. American Express® Corporate Meeting Card (Best for business management tools)

One of the most searched questions is, can I purchase gold on hdfc credit card? The answer is yes, you can use your hdfc bank card to purchase gold.

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