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HDFC Bank
HDFC Bank Purchase Moneyback Credit Card
Visa
HDFC Bank Purchase Moneyback Credit Card
A no-frills corporate purchase card that pays cashback instead of points, aimed at businesses whose card spend is mostly recurring vendor bills, utilities and GST rather than travel.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar whose spend is concentrated in utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Employment: self-employed
Fees & charges
- Rewards redemption fee: Cashback is credited automatically as statement credit at no cost
- Foreign currency markup: 2.5%
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Cashback credited directly against vendor and utility payments
- Company-managed limits with per-cardholder controls
Pros
- + Straightforward cashback instead of a points program
- + No fee for standard corporate use
- + Good fit for recurring vendor/utility payments
Cons
- − No lounge or travel benefits
- − Company-level onboarding required, no individual application