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HDFC Bank
HDFC Bank Purchase Premium Credit Card
Visa
HDFC Bank Purchase Premium Credit Card
A no-fee vendor-payment card for larger businesses, built for control and tracking rather than rewards — the closed-loop MIS reporting is the point, not the modest cashback.
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
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹500 per billing cycle
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹1,00,000
- Employment: self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver, capped at ₹500 per billing cycle
- Closed-loop vendor payment system with dedicated MIS for tracking business purchases
Pros
- + No joining or annual fee
- + Dedicated MIS for vendor payment tracking
- + Fuel surcharge waiver
Cons
- − Very low reward rate
- − Cross-currency markup is on the higher side