HDFC Bank Purchase Reward 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

What it gives back

Up to 1.25% cashback on your regular business expenses

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
Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals.
Retention or continued-access criteria
No cashback if customer is delinquent for any product within the bank in that month
Minimum spend rules
Total spends in a calendar month (excluding EMI & fuel spends) must be above ₹50 lakh

Also included

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
2.95% per month (35.4% annually)
Interest-free period
Up to 45 days
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 payment amount, minimum ₹450
Card replacement fee
₹100 reissue fee for a replacement card.
Cash payment / cash deposit fee
1% of the transaction amount.
Fee on online skill-based gaming spends
1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.
Wallet load charge
1% fee will be levied 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.
GST note
GST @18% applicable all fees and charges

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.

5 documents from HDFC Bank, checked 19 Oct 2026.

On these lists

₹0 for life

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