Purchase Credit Card

Centralised Expense Tracking
Smart Expense Control with Vendor Restrictions
Save on Tally, Office 365 & More

What's in store for you

Card Benefits & Features
Card Management and Controls
Frequently Asked Questions

More benefits than ever before

Usage Benefits

Easy procurement with a convenient paperless process.

Saving Benefits

Save up to 40% on business travel and software purchases through SmartBuy BizDeals.

Control Benefits

Place restrictions by vendor category and access detailed spend reports for better expense control and pattern insights.

Additional Benefits

Banking Benefits

Simplify vendor and procurement payments with a paperless, centralised process.
Reduce transaction processing time and costs, especially for high-volume, low-value transactions.
Eliminate the need for multiple payment systems, invoices and cheques.
Restrict transactions by vendor or merchant category for precise expense management.
Access detailed spending reports to analyse expense patterns and ensure better oversight.
Use consolidated reports to negotiate better deals with suppliers.
Apply customised transaction restrictions at the MCC or merchant level as per business requirements.

Savings Benefits

Up to 45 days of interest-free credit on purchases.
Save up to 40% on hotel & flight booking on MMT MyBiz by SmartBuy BizDeals.
Discounts on business tools like Tally, Office 365, AWS, and Google Workspace via SmartBuy BizDeals - Nuclei.

Card Management Benefits

Up to 45 days of interest-free Credit from the date of purchase. (subject to submission of the charge by the Merchant)
Contactless payments* to improve your purchase experience
Protection against fraudulent transactions made on your Credit Card*, if reported immediately to HDFC Bank’s 24-hour Call Centre.
Card-level restrictions can be configured based on transaction type and vendor/merchant category for enhanced control.

Power every business move with HDFC Bank
Commercial Cards

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Know more about the card

Card Management & Controls
Fees & Charges
Added Delights
SmartBuy BizDeals Benefits
Most Important Terms and Conditions

Card Management & Controls

Single Interface

One unified platform for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans

Spends Tracking

Simple interface to track all your spends

Reward Points

View and redeem points at the push of a button

Fees & Charges

Joining/Renewal Membership Fee: Nil
Cash Processing Fee: All Cash payment of card dues get charged with an additional fee of 1% of the amount.
Non-payment charges: Up to 2.95% per month and up to 35.4% annually.
Reissue of Lost, Stolen or Damaged Card: ₹100/- per card re-issued
Click here to view details of Purchase Credit Card Fees & Charges

Added Delights

Banking Benefits

Integration capability with advanced ERP and expense management solutions.
Corporate-facing self-service portal for seamless programme management.
All direct company expenses can be centrally managed through Purchase Cards.

Spend Benefits

Higher Discounts from Vendors

Advance payments made through PayTM HDFC Bank Purchase Cards, combined with consolidated spend reports, help strengthen your negotiation power and secure better discounts from suppliers.

SmartBuy BizDeals Benefits

Avail up to 40% savings on your business travel and software purchase on smartbuy.hdfcbank.com/business  
- Business Travel Benefits via MMT MyBiz :  
  - 4% off on Flights and Hotels booking.  
  - Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   
- Business Productivity Tools via – Nuclei:  
  - Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more.

Most Important Terms and Conditions

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

Frequently Asked Questions

30 + 15 Days

No. There are no reward points for spends in Purchase Credit Card.

No. The customer is not eligible for Cashback.

No, the customer is not eligible for Fuel Surcharge Waiver.

No. The Corp cannot revolve on Purchase Credit Card

Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application.

Yes, multiple Purchase Card can be issued to a company as per their requirement up to a maximum of ten cards.

Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS Full payment needs to be made by the corporate to Bank

Yes, auto debit is possible on Purchase Card

No, If the Customer is delinquent for any product withing the bank, they will not receive CashBack for their Purchase card spends in delinquent month.

Additionally, any missed CashBack due to delinquency will not be processed or paid in subsequent months.

Special MCC spends include spends on merchants, but are not limited to Taxes, Government related services, Telecom, Groceries, Fuel, Utility, Insurance, Education, Home décor, Railway, Restaurant, Taxi, Toll fees, Bus lines, Charity, Political organisations, Religious organisations, Beauty shops, Barber shops, Child care services, Real estate agents & rentals, Legal services, Halls, Studios, Laundry services, Agricultural co-operatives, Electrical contractors, Civic, Tax preparation services, Social organisations, Fraternal organisations, Department stores, Supermarkets, Bakeries and Confectionery stores will be considered as special MCC spends

Spends other than the above mentioned merchants will be classified as General MCC spends

Purchase Credit Card

Additional Benefits

Banking Benefits

Savings Benefits

Card Management Benefits