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HDFC Bank
HDFC Bank Purchase Reward Credit Card
Visa
HDFC Bank Purchase Reward Credit Card
The points-based sibling to the Purchase Moneyback card in HDFC's commercial line-up — same purchase-card mechanics, but earning redeemable reward points instead of direct cashback.
Annual fee
₹0
Joining fee
₹0
Reward type
points
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. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: self-employed
Fees & charges
- Rewards redemption fee: Points redeemable as statement credit at no cost
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period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
- Reward points on all business purchase spend, redeemable against statement credit
Pros
- + Flat, predictable reward points on all spend
- + No fee for standard corporate use
- + Simple redemption against statement dues
Cons
- − No travel or lifestyle perks
- − Flat rate is unremarkable compared to consumer cashback cards