HDFC SAP Concur Solutions Black Corporate Credit Card Review

The HDFC Bank & SAP Concur Solutions Black Corporate Credit Card is a premium hdfc corporate credit card designed to offer premium features and some useful tools that will help you to eliminate the need for paperwork.

It offers some extraordinary benefits like free access to airport lounges, free WIFI, reward points on every transaction, insurance coverage, fuel surcharge waiver, and lots more. This card is powered by MasterCard and it offers up to 50 days of interest-free period. 

HDFC Credit Card Eligibility Criteria:

This card is meant for corporate usage only, and you can only get this card on behalf of your company. 

  • Resident Type: Indian.
  • The annual turnover of the company should be greater than Rs. 10 crores. 
  • The company must be trading for at least 2 years. 
  • A long relationship with the bank will help you to get this hdfc corporate credit card
  • An excellent credit score (above 780) is needed to apply for this HDFC black credit card.

Documents Required For 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 credit card rules, all new HDFC credit cards are delivered in an inactive state. But you can activate it very easily by generating a new hdfc credit card pin. The hdfc credit card atm pin generation process is discussed on the 100xGain hdfc credit card faq page

HDFC Credit Card Fees:

  • Joining Fee: None. 
  • Annual Fee: None, you can use this credit card for free for a lifetime. 

HDFC Lifetime Free Credit Card Benefits:

  • Attractive rewards:

You can earn reward points for almost every transaction made with this card. You will get 5 reward points for each Rs. 150 transaction. You can earn a maximum of 1000 points in a credit cycle. 

The hdfc credit card points redemption process is very simple; you can convert the reward points into air miles and use them for flight/hotel booking. You can also use them to get a product from the hdfc credit card points redemption catalog. To convert your points into cash just fill up the hdfc bank credit card points redemption form and send it to the email id of hdfc bank credit card department. 

  • Free access to domestic and international lounges:

Under the airport lounge access hdfc credit card program, you will get 15 free accesses to domestic lounges and another 15 accesses to international lounges. You can find the hdfc credit card list of participating international lounges here. 

  • Free accesses to global WIFI service:

This hdfc black credit card gives you free access to over 1 million WIFI hotspots across the globe (including airports, hotels, flights, restaurants, etc.). You can add up to 4 of your devices with the WIFI network. 

  • HDFC credit card fuel surcharge waiver:

If you use this card to purchase fuel at any fuel station in India, you will get a 1% waiver on fuel surcharges. This offer is applicable on transactions between Rs. 400 to Rs. 10,000. And you can earn a maximum of Rs. 1000 waiver in an HDFC credit card billing cycle

  • Useful tools that will make your life much easier:

This lifetime free hdfc credit card comes with a number of helpful tools and services, which will help you to run your business more smoothly. 

Individual tools Uses
Advanced reporting tools.
  • Detailed credit card usage 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 hdfc credit card processing time
Extra savings.
  • Up to 50 days of the interest-free period. 
  • Extra savings on flights and hotel bookings. 
  • Insurance and liability coverage protection:

On this lifetime free credit card hdfc bank offers complimentary insurance and liability coverage protection with this card. The details are illustrated in the table below. 

Particulars Total coverage amount
Air accidental deaths Rs. 1 Crore. 
Emergency hospitalization (Applicable when you are traveling outside India) Rs. 1 lakh. 
Flight delay.  Rs. 15,000
Loss of baggage.  Rs. 15,000
International flight missing.  Rs. 15,000
Corporate liability coverage.  Rs. 2,50,000 against employee level frauds. 

Rs. 50,00,000 against corporate level frauds. 

  • A dedicated portal for all your needs:

The HDFC SmartBuy portal is completely dedicated to all your corporate needs. From this portal, you can redeem hdfc credit card points , book flights or hotels, and buy some products from the reward catalog. 1 hdfc credit card points value is Rs. 0.30 (in SmartBuy). 

  • Easy bill payment options:

The HDFC credit card bills can be paid very easily, you can make hdfc credit card online payment through netbanking , PayZapp, or by using any credit card payment app. But if you want to choose the most time-consuming way, you can make hdfc credit card payment by neft , cheque, ATM, or from your nearby HDFC branch

You can also check your hdfc credit card outstanding status from your net banking account

  • Contactless payment facility:

HDFC bank has equipped this card with an advanced contactless payment system. Using this feature you can make payments through credit card with just a wave at any secure reader machine. 

For security reasons, the contactless payment method is limited to Rs. 5000 per transaction, you can control the contactless payment option from the hdfc mobile app for credit card

HDFC Lifetime Free Credit Card Charges:

  • Credit card charges for withdrawing cash: For cash withdrawal on credit card you will be charged 2.5% against the withdrawn amount (min Rs. 500). 
  • Finance Charges: Generally the interest rate on credit card is higher and for this card, it can go up to 3.5% monthly or 42% annually. 
  • HDFC credit card international usage charges : 2.49% against the transaction amount. 
  • Add-on card fee: Free for a lifetime. 

HDFC Credit Card Call Center Contact Details:

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

100xGain Ratings: 


If you don’t want to use your existing HDFC credit card then you can close it very easily. The HDFC credit card cancellation process is discussed on the 100xGain FAQ page

Final Opinion:

As said before this card is designed to make your life smoother with its advanced services and premium benefits. The most interesting feature of this card is the unlimited access to worldwide WIFI service. Also with the free lounge access, reward points, and insurance coverage this card can prove to be a really helpful tool for your business. 

But this does not mean that this card does not have any flaws. One of the flaws of this card is that it does not offer anything in the dining and entertainment categories, apart from that there is nothing to complain about since it comes free of cost. 

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