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. This card offers up to 45 days of the interest-free period, more details of the card are discussed below. 

HDFC 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 applicant’s 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.

Required Documents:

  • 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 credit card rules, all 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 credit card FAQ page


  • Joining Fee: None. 
  • Annual Fee: This Will be discussed at the time of approval. 


  • Freedom from paperwork:

Using this 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. Because 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 also get hdfc credit card statement anytime you want from your net banking account

  • Efficient payment system:

Use this card to make all your company-related payments, and you won’t need to worry about invoices and cheques. Also, it will give you freedom from the long payment processing time.

  • Better control on payments:

You will have the authority to put restrictions on a particular type of credit card transaction or a particular vendor, which gives you unmatched control over your account. 

  • Advanced accounting tools:

Using the 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. 

  • Easy access to credit:

If you have this card, you can get easy and instant access to credit, which is very helpful for a company. 

  • Easy bill payment:

There are a number of options available to pay hdfc credit card bill . You can make your hdfc credit card payment online through hdfc netbanking account, or by using any credit card payment app. You can also choose the most time-consuming method and pay your hdfc credit card payment through neft transfer , cheque, or from your nearby ATM. 

  • Easy application process:

You can apply for this HDFC business credit card online from the HDFC credit card online application portal. Once 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.

  • Contactless payment option:

This card is equipped with an advanced contactless payment system, which allows you to make payments with just a wave at any secure reader machine. This new credit card feature is very helpful in eliminating credit card skimming.

For security reasons, the maximum contactless payment amount is limited to Rs. 5000 per transaction. You can also set your desired limit from the hdfc netbanking for credit card accounts. Also if you notice something unusual with your 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. 


Particulars Payable amount
Cash Withdrawal Charge Not applicable
Finance Charges 2.95% monthly. Applicable even if the minimum due in credit card bill is paid on time. 
Foreign currency conversion charge 3.5% against the transaction amount.

Contact Details:

  • 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: 


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 card will be very helpful for you. It offers advanced reporting tools and other helpful services that will help you to save a lot of time and effort. 

But if you want to earn benefits like reward points, lounge access, fuel surcharge waiver, or insurance coverage, then you will be disappointed with this card. In this case, you can take a look at the 100xGain top 10 business credit card page it will help you to find your choice.   

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