Hdfc Business Credit Cards

HDFC has multiple business credit cards like business MoneyBack, Business Regalia, and more. Business credit cards are issued to business enterprises and self-employed professionals having good financial standing. You can use them  only for business expenses. It helps in managing your finances by providing instant funding options for all your working capital requirements. Business credit cards are a must-have for making utility and tax payments for your business.

Business Credit Cards From HDFC

• Business Regalia
• Business MoneyBack
• Pine Labs HDFC Credit Card 
• Pine Labs HDFC Bank Pro Credit Card
• CSC Small Business MoneyBack 
• Paytm HDFC Bank Business Credit Card 
• Paytm HDFC Bank Select Business Credit Card
• Best Price Save Max 
• Best Price Save Smart 
• Flipkart Wholesale HDFC Bank Credit Card

Rewards on HDFC Business Credit Cards 

 

Complimentary Benefits & Waivers On HDFC Business Credit Cards

Fees on HDFC Business Credit Cards

Benefits Of Using HDFC Business Credit Cards

• Business and personal expenses are separated while using a business credit card. This promotes clarity and transparency in business.
• You do not need to worry about funds to meet working capital requirements. Business credit cards provide instant funding for all your business needs.
• You have a clear track record of all your business expenses. This helps in efficient bookkeeping and accounting.
• You build a strong credit profile for your business by buying a business credit card. Repaying it regularly has a great impact on your credit score.
• Credit cards are replete with bounties. Your business expenses can earn and save you more in terms of rewards, cash backs, and discounts.
• There is an improved cash flow in the business by using a business credit card. You can manage your finances well by scheduling the outflows during the credit card billing cycle. The hassles of settling your material purchases through credit are reduced considerably.

Eligibility For A HDFC Business Credit Card

• Self-employed individuals, partnership firms, LLP, HUF, companies running a business
• In the case of individuals, they must be Indian Citizens of age between 21 and 65 years.
• The annual income shall be a minimum of Rs 12 lakhs and differs according to the card.

 

Documentation For A HDFC Business Credit Card

• Last 2 years Income Tax Returns
• Last 2 years Audited Financial Statements
• Last 6 months’ bank statements
• GST returns as required
• Merchant payment report

How To Apply For A HDFC Business Credit Card?

CreditMantri

• Visit the CreditMantri website and click on “Cards”.
• Click on “HDFC Credit Card” from “Bank wise Credit Cards”.
• Choose your credit card from the list.
• Provide your basic, business, and income details and check for eligibility. 

Online

• Visit the official website of HDFC bank. 
• Click on “PAY” and then on “Cards” and “Business Credit Cards”.
• Click on “Apply Online”.
• Enter your registered mobile number and date of birth.
• Key in the mobile OTP.
• Choose your business card, enter your personal and business details and click submit.
• Your HDFC business credit card is approved.

Offline

Visit any of the branches of HDFC physically and submit the required documents along with the business credit card application form. The card will be approved after satisfactory scrutiny.

Conclusion

Business credit cards help businesses to focus on their core business activities instead of worrying about finances. The rewards program, transparency, and accountability of business credit cards make them more attractive and the first choice of credit for businesses.

FAQ of HDFC Business Credit Cards

1:Can business credit cards be used for online purchases?

Yes. You can use your business credit card both online and swipe at the merchant terminals. However, you will be required to register your business credit card for “Visa/Master Secure Code”.

2:Can I use my business credit card during international travel?

Yes. But the international transactions carry mark-up fees of up to 3.5% of the transaction amount.

3:What to do if I have lost my business credit card?

Report to HDFC customer care immediately and block your credit card. You can apply for a new business credit card.

4:How long is the interest-free period on my HDFC business credit card?

It is up to 50 days from the date of bill generation.

5:What is the value of reward points earned on my HDFC business credit card?

One reward point is equivalent to 30 paise.