HDFC Corporate Premium credit card
HDFC Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
26 visits/yr
Contents
HDFC's Corporate Premium card is designed for businesses to manage employee spends with travel benefits, rewards and strong reporting tools. It offers lounge access, travel insurance, and SmartBuy Corporate portal for easy redemptions. The card focuses on efficient expense management and reconciliation for companies.
Features of HDFC Corporate Premium credit card which makes it unique
SmartBuy Corporate
Dedicated earn-and-burn portal for corporate redemptions
Simplified reward redemption and better corporate rates
Better corporate redemptions vs. standard portals
Detailed Spend Reporting
Expense categorisation and analytics
Faster reconciliation and auditing for finance teams
Richer reporting than a typical personal card
Rewards Structure of HDFC Corporate Premium credit card
Dining
acceleratedBusiness dining and restaurants
Accelerated earn for eligible corporate spends
Travel
acceleratedAirline and hotel bookings via SmartBuy Corporate
Redeemable via SmartBuy Corporate
General
baseAll other merchants
Standard earn rate on other corporate spends
Milestones of HDFC Corporate Premium credit card
Quarterly Spend Benefit
₹50,000 : Bonus reward points as per corporate plan
Annual Spend Reward
₹2,00,000 : Enhanced redemption options via SmartBuy Corporate
Fees & Charges of HDFC Corporate Premium credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Check company account plan; some corporate plans have no renewal fee.
Fee Explanation Refer to HDFC Bank corporate fees & charges for exact slabs and exemptions.
Detailed Explanation of HDFC Corporate Premium credit card Fees
Annual Fee: 0 (yearly)
Varies by corporate plan; often nil for Corporate Premium
Foreign Currency Markup: 3.5% (transaction)
Applies to transactions in foreign currency
Cash Advance Fee: 2.5% (transaction)
Minimum charges may apply
Lounge Access Benefits with HDFC Corporate Premium credit card
domestic Lounges
silverVisits per year: 20
Guest access: No
Typically 5 visits per quarter for Corporate Premium; check bank list of lounges.
international Lounges
silverVisits per year: 6
Guest access: Yes
International lounge access via Priority Pass as per corporate terms
Insurance Coverage with HDFC Corporate Premium credit card
Corporate liability waiver insurance
Up to ₹1,00,00,000Covers certain employee fraud risks as per policy
Travel insurance
Up to ₹25,00,000Valid on eligible corporate travel bookings and subject to terms
Additional Features of HDFC Corporate Premium credit card
Contactless Payments
Tap and pay enabled for faster checkouts
SmartBuy Corporate Portal
Exclusive portal to redeem and manage rewards
Welcome Bonus with HDFC Corporate Premium credit card
Welcome Bonus: 500 reward points.
Bonus Conditions: Welcome bonus applies on first eligible corporate transaction as per HDFC terms and SmartBuy Corporate portal rules.
Application Process for HDFC Corporate Premium credit card
Processing Time
7-14 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Company applies via HDFC corporate cards portal or branch
Submit corporate KYC and authorisation details
Assign employee cards and set spend limits
Receive cards and activate for use
Required Documents for HDFC Corporate Premium credit card
Company Registration
issuerAccepted documents:
Authorisation Letter
employeeAccepted documents:
ID Proof
employeeAccepted documents:
HDFC Corporate Premium credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Corporate Premium credit card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Corporate account and authorisation from employer required. Eligibility determined by company profile and HDFC underwriting.
How Approval Is Decided
- Corporate eligibility and profile verified by HDFC
- Authorisation from company nodal officer
- Compliance with HDFC underwriting norms
Pros of HDFC Corporate Premium credit card
- Robust corporate reporting and controls
- Good lounge access for frequent travellers
- Easy redemption via SmartBuy Corporate
Cons of HDFC Corporate Premium credit card
- Rewards structure tailored to corporate spends (may be less useful for personal spends)
- Foreign currency markup applies on FCY spends
Frequently Asked Questions about HDFC Corporate Premium credit card
Is there a joining or annual fee?
Many corporate plans for Corporate Premium have no joining or annual fee; check your company's corporate agreement with HDFC.
How do I redeem reward points?
Redeem via the SmartBuy Corporate portal for flights, hotels, vouchers, or partner redemptions.
What lounge access is included?
Typically 20 domestic lounge visits per year and 6 international Priority Pass visits; verify with HDFC for current lounge list.
What is the foreign currency markup?
Foreign currency markup is typically 3.5% on FCY transactions for corporate cards.
Who is eligible to apply?
Corporate cards are issued to companies and their authorised employees; company-level eligibility and documentation required.
How long does card issuance take?
Processing generally takes 7–14 business days after corporate/employee verification.
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