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HDFC Bank
HDFC Bank TMC Credit Card
Visa
HDFC Bank TMC Credit Card
A niche commercial card issued to Travel Management Companies (TMCs) that book air travel and hotels on behalf of corporate clients — it centralises those bookings onto one bill with reconciliation data, rather than being a card an individual employee carries.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
2% reward rate
- 🏨 Hotel
Card is issued to travel management companies to centralise airline/hotel booking payments
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: self-employed
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Card is issued to travel management companies to centralise airline/hotel booking payments
- Detailed booking-level MIS for corporate travel reconciliation
Pros
- + Centralises corporate travel bookings onto one account
- + Strong reward rate on travel spend
- + Detailed reconciliation data for finance teams
Cons
- − Only issued to registered travel management companies, not general businesses
- − No individual application path