HDFC Bank Corporate Platinum Credit Card

Reward rate

3 reward points per ₹150 · everyday spends3 reward points for every ₹150 spent.

EMI spend earning

Easy EMI transactions will not accrue Reward Points.

Fuel earning

Reward Points will not be accured on fuel transactions.

Wallet load earning

E-wallet loading transactions will not accrue Reward Points.

Reward exclusions

Easy EMI and e-wallet loading transactions will not accrue Reward Points.

Reward caps

Max 6000 per statement cycle.

Point expiry

Rewards Points are valid only for 2 years from the date of accumulation

Domestic lounge access

8 (2 per Quarter) complimentary visits to Domestic Lounges within India

Fuel surcharge waiver

1% surcharge waived off on transactions between ₹400 - ₹5000 (Maximum waiver capped at ₹500 per statement cycle)

Surcharge on railway tickets

1.8% of the transaction amount.

Insurance benefit

Complimentary insurance cover on the Card.

Purchase to EMI conversion

EMI Payments are not applicable on commercial cards

Forex markup

3.5% on foreign currency transactions.3.5% on all foreign currency transactions

Dynamic currency conversion markup

A Markup fee of 1%.

Cash advance fee

2.5% of the withdrawal amount, subject to a minimum charge of ₹500

Cash advance interest

Finance charge equal to charges on revolving credit from the date of withdrawal until the date of full payment

Cash withdrawal limit

Under Corporate Liability — 40% of the credit limit Under Individual Liability — 30% of the credit limit.

Interest on unpaid balance

3.49% per month (41.88% annually)

Late payment fee

Range from ₹100 for amounts between ₹100 and ₹500 to ₹750 for amounts above ₹10,000.

Over-limit fee

2.5% of the over-limit amount, subject to a minimum charge of ₹500

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Cash payment / cash deposit fee

₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.

Reward redemption fee

₹99 per redemption request, plus applicable taxes

Wallet load charge

1% fee on Wallet loading spends exceeding ₹10,000 in a calendar month.

Fuel transaction fee

1% fee on Fuel transactions exceeding ₹30,000 for business cards, capped at ₹4,999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

GST note

The applicable GST will depend on the Place of Provision (POP) and Place of Supply (POS)

Grace days after the due date

Up to 50 days

Income requirement

Minimum annual turnover required to apply for corporate cards is ₹10 crore