HDFC Bank Purchase Moneyback Credit Card

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

Open to new applications · Earns points

First-year fee

₹0

NIL

Annual fee

₹0

NIL

What it gives back

Up to 1% CashBack on all retail purchases

Read from 7 HDFC Bank documents, last checked 16 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.

2.5% forex markup: of the 291 other open cards whose forex markup we have read, 64 state a lower one, 7 state the same and 220 state a higher one.

Fees

Rewards

Reward rate
Up to 1% CashBack on all retail purchases
Reward exclusions
Not eligible for CashBack: EMI spends BBPS spends Fuel spends.
Reward caps
There is a rebate limit capped to 10 Lacs /month.
Rent earning
Not offered

Card benefits

Hotel or travel programme
4% off on hotel and flight booking on MMT MyBiz powered by SmartBuy BizDeals.
Minimum spend rules
CashBack on all General MCC spends above ₹5 lakh and Special MCC spends above ₹10 lakh in a calendar month, basis posting date.

Also included

Surcharge on railway tickets
1.8% of the transaction amount through the HDFC Bank payment gateway.

Charges

Forex markup
2.5% on foreign currency transactions.2.5% on international transactions
Dynamic currency conversion markup
Markup fee of 1%
Interest on unpaid balance
1.99% per month, which amounts to 23.88% annually.
Interest-free period
Up to 50 days of interest free Credit from the date of purchase
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
Wallet load charge
1% fee on wallet loading spends exceeding ₹10,000 in a calendar month.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.
GST note
GST @18% applicable all fees and charges
Minimum amount due
30% of Total Amount Due (TAD); other charges such as interest, fee, GST, etc. are excluded

In the terms, not the brochure

Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.

7 documents from HDFC Bank, checked 16 Oct 2026.

On these lists

₹0 for life

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