HDFC SAP Concur Solutions Prime Corporate Credit Card Review | Best Business Credit Card Review

If you want to add a touch of luxury to your business trips then you should take a look at the HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card. 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 the interest-free period. 

What are the 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 business credit card from the hdfc bank credit card online application page. Once your application is submitted successfully, you can track your hdfc credit card application status online from the HDFC credit card application tracking page.

What documents are required to apply for the HDFC SAP concur solutions prime corporate 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:
  • 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. 

What are the HDFC SAP concur solutions prime corporate credit card fees?

• HDFC SAP concur solutions prime corporate credit card Joining Fee: None. 
• HDFC SAP concur solutions prime corporate credit card Annual Fee: None. 

What are the hdfc credit card benefits?

• Make your every transaction rewarding with a powerful reward scheme:

You will be rewarded for almost every transaction made with this card. You can earn 3 reward points for every Rs.150 transaction. The reward points on hdfc credit card are extremely useful; you can convert them into air miles and use them for flight or hotel bookings. You can also redeem them in cash or exchange them against any product from the hdfc credit card rewards catalog. 

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. 

• Make your business trips more luxurious with free airport lounge access:

Under the hdfc credit card airport lounge access program, you will get 12 free accesses to most of the premium MasterCard lounges.

• Enjoy freedom from fuel surcharges:

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.

• Enjoy 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, and 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 the interest-free period.  Extra savings on flights and hotel bookings.

• Complimentary Insurance & liability coverage protection to stand for you in emergencies:

On this lifetime 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. 

• Pay your credit card bills more easily with convenient 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 payments through cheque, NEFT, ATM, or by visiting your nearby HDFC branch. 

• Enjoy the convenience of the advanced contactless payment option:

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 credit card net banking account. 

What are the hdfc credit card charges?

Particulars	Payable amount
HDFC credit card cash withdrawal charges.	2.5% against the withdrawn amount (min Rs. 500). Check your hdfc lifetime free credit card limit before making a withdrawal.
HDFC credit card 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.

What are the 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: customerservices.cards@hdfcbank.com 

100xGain Ratings: 

7.5/10

Pros and Cons:

Pros	Cons
This corporate credit card gives you free access to most of the leading airport lounges. It comes with a load of very helpful corporate tools. This hdfc credit card offers accelerated reward points for every single transaction made using this card.	There are no travel booking benefits on this corporate hdfc credit card.

If you don’t want to continue with your existing HDFC credit card then feel free to take a lok at the 100xGain FAQ page to know the process of canceling hdfc credit card.

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 ontravel bookings, and refreshment categories then you should look for other corporate-level credit cards listed on our 100xGain top 16 business credit card page. You can also compare the alternative card options given below.

Alternative Card: 

1. HDFC Bank & SAP Concur Solutions Black Corporate Credit Card (Best for offering reward points, lounge access, and corporate-related benefits)
2. Kotak mahindra corporate wealth signature credit card (Best for offering lounge access and expense management facility)
3. HDFC bank business regalia credit card (Best for offering cashback, lunge access, and dining benefits)
4. American express corporate credit card (Best for reward points, lounge access, and business management facilities)