What is an ODCC Linked Credit Card?

An ODCC Linked Credit Card is a commercial credit card linked directly to a sanctioned Overdraft or Cash Credit facility, allowing businesses to utilize available limits for eligible card transactions.

Is a separate card limit assigned?

The card typically operates within the approved OD/CC limit, subject to bank-defined controls and policies.

Can employee cards be issued?

Yes, cards may be issued to authorized employees, subject to approval and spending controls.

Where can the card be used?

The card can be used at eligible domestic and international merchant establishments based on the card variant and bank policy.

How can expenses be tracked?

Businesses receive transaction details and statements that support reconciliation and expense management.

Apply for the ODCC Linked Credit Card through your Relationship Manager today

Unlock Business Liquidity. Spend Smarter. Stay in Control.

Empower your business with seamless access to your sanctioned Overdraft (OD) or Cash Credit (CC) limit through a dedicated credit card. The ODCC Linked Credit Card enables businesses to manage operational expenses, vendor payments, business travel, and day-to-day purchases without disrupting cash flow and enhancement cashflow flexibility.

Convenience of a credit card. Power of your working capital line.

Please click here to download the Benefit Guide.

Please click here to download Key Facts Sheet

Why Choose the ODCC Linked Credit Card?

Convert Your Working Capital into Everyday Purchasing Power

The ODCC Linked Credit Card provides authorized access to your approved OD/CC facility, allowing businesses to make card-based transactions directly against their sanctioned limit.

Key Benefits

Leverage your sanctioned overdraft or cash credit line for business spending without requiring a separate credit card limit for your business.

Meet operational expenses efficiently while preserving liquidity for critical business needs.

Make purchases across online and offline merchant establishments with enhanced card security features.

Track business expenditures through consolidated statements and card transaction reports.

Ensure uninterrupted procurement, travel, and operational spending when immediate liquidity is required.

Enjoy fast, secure, and convenient tap-and-pay transactions at enabled merchant terminals.

How It Works

Step 1

Maintain an active OD/CC facility with the bank.

Step 2

Apply for the ODCC Linked Credit Card through your Relationship Manager.

Step 3

Card is linked to your sanctioned working capital facility.

Step 4

Start using the card for business purchases and eligible transactions.

Step 5

Track and manage expenses through statements and reporting tools.

Ideal For

SMEs and Mid-Corporate Businesses
Traders and Distributors
Manufacturers
Service Businesses
Corporates Managing Employee Spending
Businesses with Seasonal Working Capital Requirements

Rewarding Business Spending

Earn More on Every Transaction

Enjoy benefits on eligible business spends and maximize the value of your working capital utilization.

Benefits may include:

Rewards on Eligible Purchases
Business Travel Benefits*
Merchant Offers and Discounts
Fuel Surcharge Waiver*

*Applicable as per prevailing program terms and conditions.

Advanced Security for Business Transactions

Your business deserves secure spending capabilities.

Security Features

EMV Chip Enabled Card
OTP Based Authentication (Applicable for Domestic Transactions)
Contactless Transaction Controls
Real-Time Transaction Alerts
Fraud Monitoring Systems

Eligibility

Businesses may apply for an ODCC Linked Credit Card subject to:

Active Overdraft or Cash Credit Facility
Satisfactory Account Eligibility
Completion of KYC and Documentation Requirements

Features at a Glance

Feature*	Details
Linked Facility	Overdraft / Cash Credit Account
Card Type	Commercial Credit Card
Usage	Domestic & International
Acceptance	RuPay / Visa / Mastercard Network
Contactless Capability	Available
Expense Tracking	Consolidated Transaction Statements
Security Features	EMV Chip, OTP Authentication, Transaction Alerts
Add-on Cards	Available for Authorized Employees
Corporate Controls	Spend Controls & Merchant Category Restrictions

Designed for Businesses That Need Flexibility

Whether you are managing procurement cycles, vendor payments, travel expenses, or everyday operational costs, the ODCC Linked Credit Card offers instant access to business liquidity while maintaining centralized control over expenses.

Frequently Asked Questions

What is an ODCC Linked Credit Card?

An ODCC Linked Credit Card is a commercial credit card linked directly to a sanctioned Overdraft or Cash Credit facility, allowing businesses to utilize available limits for eligible card transactions.
Is a separate card limit assigned?

The card typically operates within the approved OD/CC limit, subject to bank-defined controls and policies.
Can employee cards be issued?

Yes, cards may be issued to authorized employees, subject to approval and spending controls.
Where can the card be used?

The card can be used at eligible domestic and international merchant establishments based on the card variant and bank policy.
How can expenses be tracked?

Businesses receive transaction details and statements that support reconciliation and expense management.