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HDFC Bank
HDFC Bank Purchase Credit Card
Visa
HDFC Bank Purchase Credit Card
HDFC's base commercial purchase card for vendor payments and procurement — a payment-control tool for businesses rather than a rewards card.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Benefits by category
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Benefits
- Pre-funded closed-loop account for streamlined vendor and supplier payments
- Up to 50 days of interest-free credit period
Pros
- + No joining or annual fee
- + Simplifies vendor payment tracking
- + Decent interest-free period
Cons
- − Negligible rewards
- − Designed for procurement workflows, not everyday spend