HDFC Bank AP Accounts Payable Program
HDFC Bank
Annual / renewal fee
₹0 (Nil) - Joining/Renewal Fees: Nil.
VerifiedAccounts Payable Program – MITC / Fees & Charges (Purchase Card Commercial Payment Solution)4 Aug 2026, 12:55 AM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
AP Accounts Payable Program by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (Nil) - no joining fee.
VerifiedAP Accounts Payable Program product page4 Aug 2026, 12:55 AM ISTHDFC Bank
Annual / renewal fee
₹0 (Nil) - Joining/Renewal Fees: Nil.
VerifiedAccounts Payable Program – MITC / Fees & Charges (Purchase Card Commercial Payment Solution)4 Aug 2026, 12:55 AM ISTHDFC Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Renewal fee
₹0 (Nil) - no renewal fee.
VerifiedAP Accounts Payable Program product page4 Aug 2026, 12:55 AM ISTHDFC Bank
Rewards
Not published in the official documents on file — see the official T&C link below.
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
- Accounts Payable solution is a closed loop card given to entities for making payments towards business expenses.
- Designed for all industries.
- A closed loop card is used to make payments only to a set list of vendors on-boarded on the platform.
- Commercial Card approvals are at the sole discretion of HDFC Bank subject to documentation and verification.
VerifiedAP Accounts Payable Program product page4 Aug 2026, 12:55 AM ISTHDFC Bank
Charges & interest
Forex markup
Cross-currency markup of 3.5% on transaction value (Other Commercial Cards).
VerifiedAP Accounts Payable Program product page4 Aug 2026, 12:55 AM ISTHDFC Bank
Fuel surcharge waiver
- Other Commercial Cards: Fuel surcharge varies from 1% to 2.5% of fuel transaction amount.
- Rate may vary depending on the fuel station and their acquiring bank (GST applicable).
- No dedicated fuel surcharge waiver is stated for this card.
VerifiedAccounts Payable Program – MITC / Fees & Charges (Purchase Card Commercial Payment Solution)4 Aug 2026, 12:55 AM ISTHDFC Bank
Interest-free period
- Up to 50 days for CTA, Purchase Premium, Purchase Moneyback and Paytm Purchase Card.
- The credit period is customisable and selected by the corporate.
- Credit period could range from 15 to 50 days subject to the scheme applicable.
VerifiedAccounts Payable Program – MITC / Fees & Charges (Purchase Card Commercial Payment Solution)4 Aug 2026, 12:55 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the AP Accounts Payable Program?
Officially traced: Rs. 0 (Nil) - Joining/Renewal Fees: Nil.
Accounts Payable Program – MITC / Fees & Charges (Purchase Card Commercial Payment Solution)What is the joining fee on the AP Accounts Payable Program?
Officially traced: Rs. 0 (Nil) - no joining fee.
AP Accounts Payable Program product pageWhat are the transfer ratios for AP Accounts Payable Program points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the AP Accounts Payable Program worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedAP Accounts Payable Program (fleet document) — governing document (side-door search)15 Aug 2026, 11:09 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.