Purchase Credit Card

What's in store for you

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.

View More
Print

Additional Benefits

Save up to ₹28,000 * annually
Just like 33 lakh+ Purchase Credit Card
cardholders

Enquire Now
max advantage current account

Know more about the card

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
Currency Conversion Tax

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
Currency Conversion Tax

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.
Multiple reloading Options

Smart EMI

  • You have the option to convert big spends into SmartEMI, after purchases on your Purchase Credit Card. 
  • Enjoy attractive interest rates and conveniently repay over 9 to 36 months.
  • Get credit into your HDFC Bank Account in seconds. 
  • The loan is pre-approved, so no documentation is required.
Card Management & Control

Revolving Credit

  • The Purchase Credit Card offers revolving credit at a nominal interest rate. 
  • Revolving credit allows you to use a line of credit up to a specified limit without a fixed number of payments. 
  • You have the flexibility to use the funds as needed and only pay interest on the amount used. 
  • This facility ensures continuous access to funds, making it a valuable emergency cash reserve for unexpected financial challenges.
Reload Limit

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. 
Card Validity

Frequently Asked Questions

The Purchase Credit Card offers a variety of benefits:

  • Reduces transaction processing time and overall cost of high volume & low-value transactions.

  • Better control on expenses basis spends data reports on expense patterns.

  • Up to 45 Days of credit period on the Purchase Card. 

  • Advance payments & Consolidated spend reports help in better negotiation with suppliers.

30 + 15 Days = 45 days of Credit period.

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.