What is the HDFC Purchase Credit Card primarily designed for?

The HDFC Purchase Credit Card is designed for corporate entities to streamline purchasing processes and enhance control over company expenses.

Are there any joining or renewal fees for the HDFC Purchase Credit Card?

No, the HDFC Purchase Credit Card is a lifetime free card with zero joining and annual fees.

Does the HDFC Purchase Credit Card offer reward points?

No, the HDFC Purchase Credit Card is an expense management tool and does not offer traditional reward points or cashback.

What are the key benefits of using the HDFC Purchase Credit Card for businesses?

Key benefits include streamlined expense management, centralized accounting, reduced transaction processing time, and savings on business travel and software.

How can businesses save money with the HDFC Purchase Credit Card?

Businesses can save up to 40% on business travel and software purchases through the SmartBuy BizDeals platform associated with the HDFC Purchase Credit Card.

What is the foreign currency markup on the HDFC Purchase Credit Card?

The foreign currency markup for the HDFC Purchase Credit Card is 3.5% plus applicable taxes.

Does the HDFC Purchase Credit Card offer fuel surcharge waivers?

Yes, the HDFC Purchase Credit Card offers a fuel surcharge waiver ranging from 1% to 2.5% at all filling stations across India.

Can I get lounge access or movie benefits with the HDFC Purchase Credit Card?

No, the HDFC Purchase Credit Card is not designed for personal lifestyle benefits such as lounge access, movie discounts, or dining deals.

What are the eligibility criteria for a company to apply for the HDFC Purchase Credit Card?

A company must be at least two years old with a minimum annual turnover of Rs 25 crores to be eligible for the HDFC Purchase Credit Card.

How does the HDFC Purchase Credit Card help in managing business expenses?

It allows placing restrictions on transactions and merchant categories, provides consolidated spend reports, and offers up to 45 days of credit period for better expense control.

HDFC Bank

HDFC Purchase Credit Card

BusinessTravelUtilities

Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Rewards Rate

Not Applicable

Reward Redemption

Benefits are primarily offered as direct savings or discounts through platforms like SmartBuy BizDeals and MMT MyBiz, no traditional points redemption.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Avail up to 40% savings on business travel; discounted fares, free meal & seat selection, low fees for cancellation via MMT MyBiz.

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Frequently Asked Questions

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