HDFC Bank Purchase Premium 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 Reward Points

First-year fee

₹0

No fee

Annual fee

Does not charge joining and renewal fees.

What it gives back

4 Reward Points per ₹150 · everyday spends

Read from 4 HDFC Bank documents, last checked 16 Oct 2026.

Our calculation

0.53% value back

Every ₹1,00,000 spent at this rate earns about 2,667 points, worth about ₹533 at the value HDFC Bank states for a point.

HDFC Bank's rate: “4 Reward Points for every ₹150 spent” Proof

The bank’s words

“4 Reward Points for every ₹150 spent.*”

HDFC Bank's point value: “Each reward point will have a value of 20 paisa” Proof

The bank’s words

“What is the value of Reward Points earned on the Purchase Premium Card? [...] Each reward point will have a value of 20 paisa.”

How it compares

Compared with the cards 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.

0.53% value back by our calculation: of the 49 other open cards we can work this out for, 38 return less and 11 return more.

Fees

Rewards

Reward rate
4 Reward Points per ₹150 · everyday spends4 Reward Points for every ₹150 spent.
Travel earning
5% CashBack on Business Essential Spends.
Utilities earning
5% CashBack on Business Essential Spends, which cover Utility; subject to a minimum overall statement spend of ₹1,00,000 as per posting date
Reward exclusions
Special MCCs, fuel, charity, rent payment type of expenses will not be eligible for reward points.
Reward caps
Maximum of 15,000 reward points per statement cycle
What one reward unit is worth
Each reward point will have a value of 20 paisa.
Statement-credit redemption
Each reward point has a value of 20 paisa.
Point expiry
Expires after 12 months
Reward earning on dining spends
Not offered (restaurant/dining classified as Special MCC, not eligible for reward points)
Fuel earning
Not offered — fuel spends not eligible for reward points
Rent earning
Not offered (rent payment not eligible for reward points)

Card benefits

Hotel or travel programme
4% off on Flights and Hotels booking.
Minimum spend rules
Up to ₹1,500 per statement cycle on minimum monthly spends of ₹1,00,000

Also included

Fuel surcharge waiver
Up to ₹500 savings with a 1% fuel surcharge waiver on business travel expenses.
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 foreign currency spends
Dynamic currency conversion markup
Markup fee of 1%
Interest on unpaid balance
1.99% per month (23.88% annually)
Interest-free period
Up to 50 days of interest-free credit
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 transaction amount.
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

Eligibility

How we know - 4 documents from HDFC Bank, checked 16 Oct 2026

4 documents from HDFC Bank, checked 16 Oct 2026.

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