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SAP Concur Solutions Black Corporate Credit Card by HDFC Bank

by A Trivedi & K V Sharma on

The Bottom Line

SAP Concur Solutions Black Corporate Credit Card
Corporate Card, Low Rewards

5 Reward Points / ₹150 on all spends, with a cap of 10,000 reward points p.m.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.8% 0.9% 1.0% 1.0% 1.0%
Est. Monthly Reward (₹) 40 90 195 495 990
All-India Rewards Rank* 44 65 83 132 127
Within Bank Rank* 9 13 17 24 20
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The SAP Concur Solutions Black Corporate Credit Card gives 1% effective rewards on all spending.

We estimate this card has a net reward yield of 0.8-1.% on all spending with the card in a month, making it a below average card for HDFC Bank customers.

Consider the Millennia Credit Card if you are spending less than ₹50,000 a month on your card.

It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.

If you are spending less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a yield of 1.9-2.4%.

If you are spending more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card SAP Concur Solutions Black Corporate Credit Card
Card Type Reward
Reward Features 5 Reward Points / ₹150 on all spends
Milestone Rewards Nil
Other Rewards – 5 Complimentary Domestic Airport Lounge visits / Qtr

– 15 Complimentary International Airport Lounge visits / Year

– Complimentary Wi-fi access on ground and in air with Boingo Wifi at over 1 million hotspots in 100 countries

Rewards Redemption Fee ₹99
Reward Caps 10,000 reward points p.m.
Preferred Redemption Method Redeem Reward Points for miles against leading International and Domestic airlines, hotels and catalogue options @ ₹0.30 / reward point

Fees & Charges

Card SAP Concur Solutions Black Corporate Credit Card
Joining Fee N/A
Annual Fee N/A
Min. Annual Credit Card Spend
for Fee Waiver
N/A
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee N/A
Interest Rate 35.40
Foreign Currency Markup 2.50%
Cash Advance Charge 2.50% transaction amount minimum of ₹500
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