HDFC SAP Concur Solutions Prime Corporate Credit Card Review

The HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card is designed to eliminate the need for paperwork. Like most other premium credit cards, it packs some attractive features and benefits like lounge access, free access to global Wi-Fi hotspots, reward points, fuel surcharge waiver, insurance coverage, and lots more.

This hdfc bank lifetime free credit card is powered by MasterCard and you will get up to 50 days of interest-free period. 

HDFC Bank 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 bank lifetime free credit card
  • An excellent credit score (above 780) is needed to apply for this card.

 You can apply for this HDFC credit card from the hdfc bank credit card online application page. You can also submit your application at your nearby HDFC Branch. Once your application is submitted successfully, you can track your hdfc credit card application status online from the credit card application tracking page.

Documents Required To Apply 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 them easily by generating a new hdfc credit card atm pin. You can find more about the hdfc credit card new pin generation process from the 100xGain FAQ page


  • Joining Fee: None. 
  • Annual Fee: None. 

HDFC Credit Card Benefits: 

  • Attractive rewards:

You will be rewarded for almost every transaction made with this card. You can earn 3 reward points for every Rs. 150 transactions. 

The reward points on hdfc credit card are extremely useful; you can convert them into air miles and use them for flight or hotel booking. You can also convert them into cash or exchange them against any product from the hdfc credit card rewards catalogue.

To redeem your points into cash, just fill up the hdfc credit card points cash redemption form and send it to the hdfc credit card settlement department mail id. 

  • Free access to airport lounges:

Under the hdfc credit card airport lounge access program, you will get 12 free accesses to most of the premium MasterCard lounges. Click here to know the complete hdfc lifetime free credit card terms and conditions

  • Fuel surcharge waiver:

If you use this lifetime free hdfc credit 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. 5,000 and you can earn a maximum of Rs. 500 in a credit cycle. 

You can check your total earned benefits from the monthly hdfc credit card bill statement. You can also speak with hdfc credit card customer care representative for the information.

  • Free access to global WIFI hotspots:

This hdfc free credit card gives you free access to over 1 million Wi-Fi hotspots across the globe (including hotels, restaurants, in-flights, etc).

  • Helpful tools that will make your life much easier:

This hdfc bank free credit card comes with a number of useful tools and services which will help you to make your life much easier. The details are given in the table below. 

Individual tools Uses
Advanced reporting tools
  • Detailed 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 processing time. 
Extra savings
  • Up to 50 days of interest-free period. 
  • Extra savings on flights and hotel bookings. 
  • Complimentary Insurance & liability coverage:

On this life time free credit card hdfc bank offers insurance and liability coverage protection. The HDFC credit card insurance coverage scheme is discussed 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 (Applicable for the primary cardholder only)
Loss of baggage.  Rs. 15,000 (Applicable for the primary cardholder only)
International flight missing.  Rs. 15,000 (Applicable for the primary cardholder only)
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 bank SmartBuy portal is completely dedicated to your needs. You can use this portal to book your flight/hotel bookings. You can also use this portal to redeem hdfc credit card points. 1 HDFC credit card reward points value is Rs. 0.30. 

  • Easy bill payment options:

There are a number of easy options available for you to pay your HDFC credit card bill. You can make hdfc credit card outstanding payment online via net banking, PayZapp, or by using any credit card payment app. Also, if you don’t want to go online then you can make hdfc credit card payment through cheque, NEFT, ATM, or by visiting your nearby HDFC branch

  • Contactless payment facility:

This card is equipped with an advanced contactless payment facility. This hdfc credit card feature allows you to make payments with just a tap on any secured reader machine. 

For security reasons, the contactless transaction is limited to Rs. 5000 per transaction. You can also set your own desired limit from the HDFC net banking account

HDFC Credit Card Charges:

  • Cash Withdrawal Charge: 2.5% against the withdrawn amount (min Rs. 500). Check your hdfc lifetime free credit card limit before making a withdrawal. 
  • Finance Charges: May go up to 3.5% monthly or 42% annually. 
  • Foreign currency conversion charge: 3.49% against the transaction amount. 
  • HDFC credit card add-on card fee: Free for a lifetime. 

HDFC Bank Credit Card Settlement Department Contact Details:

  • Call the hdfc credit card toll free customer care number: 1800-266-4332 (Toll Free) or 022-6160-6161
  • Write to the hdfc credit card grievance redressal email id: [email protected] 

100xGain Ratings: 


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

Final Opinion:

As said before, it is a premium corporate credit card and like most premium corporate cards, it packs some attractive premium features like lounge access, Insurance, coverage, and a number of other useful tools that will help you to run your business more smoothly. 

But if you want benefits on entertainment, and travel bookings, then you should look for other corporate-level credit cards. In this case, I would recommend you take a look at the 100xGain top 10 business credit card page. We have listed some of the best business credit cards there. 

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