HDFC Bank Purchase Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Business · Open to new applications · Earns points

First-year fee

₹0

Nil

Annual fee

₹0

Nil

Read from 5 HDFC Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Rewards

Card benefits

Hotel or travel programme
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Also included

Surcharge on railway tickets
1.8% of the transaction amount through the HDFC Bank payment gateway.
Lost card liability
Protection against fraudulent transactions made on your Credit Card.
Fuel surcharge waiver
Not offered

Charges

Forex markup
3.5% on foreign currency transactions.3.5% markup on transaction value
Dynamic currency conversion markup
Markup fee of 1%
Interest on unpaid balance
Up to 2.95% per month and up to 35.4% annually
Interest-free period
Up to 45 days of interest-free credit on purchases
Late payment fee
The fees range from ₹100 for amounts between ₹100 and ₹500 to ₹750 for amounts above ₹10,000.
Payment return or dishonour fee
2% of the payment amount, subject to a minimum charge of ₹450
Card replacement fee
₹100 reissue fee for a replacement card.
Cash payment / cash deposit fee
1% of the amount
Rent transaction fee
1% fee on rent payments via third party platforms, maximum ₹3,000 per transaction
GST note
GST @18% applicable all fees and charges
Minimum amount due
100% of the total amount due.

How we know - 5 documents from HDFC Bank, checked 19 Oct 2026

5 documents from HDFC Bank, checked 19 Oct 2026.

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₹0 for life

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