Skip to content
COFFERCards. Points. Value.
Back
HDFC Bank

HDFC Bank SAP Concur Solutions Black Corporate Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns reward points

What it gives back

5 reward points per ₹150 · everyday spends

Read from 4 HDFC Bank documents, last checked 8 Nov 2026.

Apply on HDFC Bank

Our calculation

1% value back

Every ₹1,00,000 spent at this rate earns about 3,333 points, worth about ₹1,000 at the value HDFC Bank states for a point.

HDFC Bank's rate: “5 reward points per ₹150” Proof
The bank’s words

“The HDFC Bank & SAP Concur Solutions Black Corporate Credit Card is designed for frequent business travellers, offering up to 50 days of interest-free credit, 5 reward points per ₹150 spent, and complimentary lounge access.”

HDFC Bank's point value: “1 Reward Point = INR 0.30 when redeemed on offers.smartbuy.hdfcbank.com/corporate” Proof
The bank’s words

“​​​​1 Reward Point = INR 0.30 when redeemed on offers.smartbuy.hdfcbank.com/corporate”

How it compares

Compared with the cards we have read

2.5% forex markup: of the 480 other open cards whose forex markup we have read, 100 state a lower one, 8 state the same and 372 state a higher one.

1% value back by our calculation: of the 90 other open cards we can work this out for, 84 return less, 4 return the same and 2 return more.

Get alerts for this card

HDFC Bank also has 2 notices for its cardholders that don't name cards

Fees

  • Add-on card fee

    Add-on Card Fee: Not applicable

Rewards

  • Reward rate

    5 reward points per ₹150 · everyday spends5 reward points per ₹150.

  • Reward exclusions

    Reward points will not be accrued on transactions made towards rent payment.

  • What one reward unit is worth

    1 Reward Point = ₹0.30 when redeemed on offers.smartbuy.hdfcbank.com/corporate.

Card benefits

  • International lounge access

    Travel Benefits: 15 complimentary international lounge access per calendar year through LoungeKey program.

  • Domestic lounge access

    Lounge Access Program: 5 domestic airport lounge visits quarterly.

Also included

  • Fuel surcharge waiver

    1% Fuel surcharge waiver on fuel transactions between ₹400 to ₹10,000 only, across all petrol pumps; Fuel Surcharge Waiver capped at ₹1,000 per statement cycle (GST Applicable)

  • Surcharge on railway tickets

    Railway Ticket Purchase Fee & Online Railway Ticket Booking: On HDFC Bank’s Payment Gateway — 1.8% + GST; On Other Bank’s Payment Gateway - rates as per IRCTC website

  • Air accident cover

    Air Accident Insurance: ₹1 crore compensation to your nominated kin.

  • Medical and hospitalisation cover

    Medical Emergencies: Coverage up to ₹1 lakh while traveling abroad.

  • Travel insurance

    Flight Delay: Up to ₹15,000 for the primary cardholder; Loss of Checked Baggage: Up to ₹15,000 for the primary cardholder; Missed Connecting Flight: Up to ₹15,000 for the primary cardholder.

  • Balance transfer terms

    Balance Transfer / Balance Transfer on EMI Processing Charges: Not Applicable

  • Purchase to EMI conversion

    EMI Payments are not applicable on commercial cards.

Charges

  • Forex markup

    2.5% on foreign currency transactions.2.5% cross currency markup on the transaction value

  • Cash advance fee

    2.5% on amount withdrawn or ₹500, whichever is higher.

  • Interest on unpaid balance

    2.95% per month, 35.40% annually.

  • Interest-free period

    Up to 50 days of interest-free credit

  • Late payment fee

    ₹0 upto ₹100, ₹100 for ₹100 to ₹500, ₹500 for ₹500 to ₹5,000, ₹600 for ₹5,000 to ₹10,000, ₹750 for more than ₹10,000

Ways to redeem your points

  • Flight bookings

    “* Airline ticket booking” Proof

  • Hotel bookings

    “* Hotel booking” Proof

  • Airline miles

    “* Note: Please complete Frequent flyer registration before attempting Airmiles redemption in NetBanking. Enable your Credit Card for International usage and upgrade your international daily limit, effortlessly, through NetBanking.” Proof

  • Products from the rewards catalogue

    “* Redeem Reward Points for miles against leading International and Domestic airlines, hotels and catalogue options.” Proof

Points expiring? Use Expiry Rescue

How we know - 4 documents from HDFC Bank, checked 8 Nov 2026

4 documents from HDFC Bank, checked 8 Nov 2026.

  • (Corporate Credit Card Version 1.57)Proof
  • Corporate Card MITC v1.433 Nov 2026Proof
  • Card pageProof
  • MITCProof
Apply on HDFC Bank

Apply

The Sunday Statement.

Every Sunday. What your bank changed this week — before your statement tells you.