HDFC Bank Purchase Reward Credit Card VS HDFC Bank Purchase Moneyback Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Purchase Reward Credit Card
HDFC Bank Purchase Moneyback Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Nil joining and renewal fees make the HDFC Bank Purchase Reward Card highly economical.
Earn up to 1.25% cashback on all regular business expenses, maximizing savings.
Benefit from an interest-free credit period of up to 45 days, aiding cash flow.
Significant savings of up to 40% on business travel and software via SmartBuy BizDeals.
Streamlined expense management with zero paperwork and centralized accounting for efficiency.
Pros
Key benefits and features.
Enjoy zero joining and renewal fees, making this HDFC Bank card a cost-effective business solution.
Benefit from an extended interest-free credit period of up to 50 days, optimizing business cash flow.
Experience significant savings with a low 2.5% foreign currency markup on international transactions.
Earn valuable cashback on general business expenses and utility payments, turning spending into savings.
Access exclusive discounts on business travel and essential software, enhancing productivity.
Cons
Key drawbacks and limitations.
High monthly spend threshold of over ₹50 lakh required to be eligible for cashback.
Cashback is capped at ₹25 lakh per card per month, limiting high spenders.
EMI and fuel spends are explicitly excluded from earning any cashback benefits.
Various fees apply for reissuance, late payments, and specific transaction types.
Cashback is forfeited if the customer is delinquent on any bank product.
Cons
Key drawbacks and limitations.
Cashback is not applicable for EMI, BBPS, and fuel spends, limiting earning potential.
Monthly cashback earnings are capped at ₹10 Lacs, potentially restricting benefits for high spenders.
Cashback is forfeited if the cardholder is delinquent on any bank product, impacting rewards.
Specific fees apply for late payments, payment returns, railway tickets, and rent payments.
Fuel spends are excluded from cashback eligibility, requiring alternative methods for rewards.