HDFC Bank Purchase Moneyback Credit Card
HDFC Bank
Earn rate
Up to 1% cashback on spends.
VerifiedPurchase Moneyback Credit Card product page14 Aug 2026, 8:37 AM ISTHDFC Bank
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
Purchase Moneyback Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (Nil).
VerifiedMITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 202514 Aug 2026, 8:37 AM ISTHDFC Bank
Fee waiver
Cash payment of card dues levied with late payment charges in the latest generated statement is exempted from the cash processing fee.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (hdfc.bank.in)2 Aug 2026, 11:15 PM ISTHDFC Bank
Renewal fee
₹0 (Nil).
VerifiedMITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 202514 Aug 2026, 8:37 AM ISTHDFC Bank
Rewards
Up to 1% cashback on spends.
VerifiedPurchase Moneyback Credit Card product page14 Aug 2026, 8:37 AM IST
Redemption value
Rewards Redemption Fee: ₹99 per redemption request (applicable for all cards other than Infinia/ Infinia (Metal Edition)/ Diners Black Metal Edition/ Diners Black Card/ BizBlack Metal Card).
VerifiedPurchase Moneyback Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 8:37 AM ISTHDFC Bank
Reward cap
Rebate limit capped to ₹10 Lacs/month.
VerifiedPurchase Moneyback Credit Card product page14 Aug 2026, 8:37 AM ISTHDFC Bank
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
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
2.5% markup on foreign currency transactions (cross-currency markup).
VerifiedMITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 202514 Aug 2026, 8:37 AM ISTHDFC Bank
Charge
- Charges on revolving credit: Purchase MoneyBack 1.99% per month (23.88% annually).
- Charges on non-payment (from transaction date): Purchase MoneyBack 1.99% per month, 23.88% annually.
- Cash Processing Fee: 1% of amount on all cash payment of card dues.
- Payment Return fee: 2% of payment amount, minimum ₹450.
- Reissue of Lost/Stolen/Damaged Card: ₹100 per card re-issued.
- Outstation Cheque Processing: cheque value up to ₹5,000 - ₹25.
- Above ₹5,000 - ₹50.
- Retrieval Fee (chargeslip): ₹125 per chargeslip.
- Late Payment Charges by outstanding balance: up to ₹100 - ₹0.
- ₹100 to ₹500 - ₹100.
- ₹500 to ₹5,000 - ₹500.
- ₹5,000 to ₹10,000 - ₹600.
- More than ₹10,000 - ₹750.
- Dynamic & Static Conversion Markup fee (w.e.f 1 Jan 2023): 1% on transactions in Indian currency at an international location or at merchants located in India but registered overseas.
- Railway ticket purchase: 1.8% + GST on HDFC Bank payment gateway.
- Other banks' gateway as per IRTC website.
- Rent Payment (third party merchants): 1% fee on transaction amount, capped at ₹4999 per transaction (w.e.f 1 July 2025).
- Online Skill based Gaming (w.e.f 1 July 2025): 1% fee on spends exceeding ₹10,000 in a calendar month, capped at ₹4999 per transaction.
- Wallet Loading excl PayZapp (w.e.f 1 July 2025): 1% fee on spends exceeding ₹10,000 in a calendar month, capped at ₹4999 per transaction.
- GST at 18% applicable on all fees and charges.
Verifiedharvested from product page2 Aug 2026, 11:15 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver capped at 1% up to ₹500 per billing cycle for transactions between ₹400 and ₹5,000 (GST applicable) - applies to Purchase Premium Card.
- For other commercial cards the rate of surcharge may vary depending on the fuel station and their acquiring bank.
VerifiedMITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 202514 Aug 2026, 8:37 AM ISTHDFC Bank
Interest-free period
20 to 50 days.
VerifiedPurchase Moneyback Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 8:37 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 Purchase Moneyback Credit Card?
Officially traced: Nil.
harvested from product pageWhat is the joining fee on the Purchase Moneyback Credit Card?
Officially traced: Rs. 0 (Nil).
MITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 2025Is the Purchase Moneyback Credit Card annual fee ever waived?
Cash payment of card dues levied with late payment charges in the latest generated statement is exempted from the cash processing fee.
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (hdfc.bank.in)How does the Purchase Moneyback Credit Card earn rewards?
Up to 1% cashback on spends.
Purchase Moneyback Credit Card product pageWhat are the transfer ratios for Purchase Moneyback Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
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/commercial-credit-cards/purchase-moneyback-credit-card.
VerifiedPurchase Moneyback Credit Card product page14 Aug 2026, 8:37 AM ISTHDFC Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.