CardIntel Canonical Product Family
HDFC Bank Purchase Commercial Credit Cards
Corporate procurement, vendor payables, and enterprise B2B spend management.
HDFC Bank's specialized Commercial Purchase card suite streamlines corporate procurement, reconciles GST invoices, and provides extended credit periods for B2B supplier transactions.
CardIntel Canonical Architecture Note: Corporate commercial liability cards issued directly by HDFC Bank Limited to corporate and institutional clients.
3 Product Tier Variants
Jump to Full Variant Comparison
HDFC Bank Purchase Premium Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹499
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
HDFC Bank Purchase MoneyBack Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹499
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
HDFC Bank Purchase Reward Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹499
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
Full Deterministic Variant Comparison
Compare HDFC Bank Purchase Commercial Series Variants & Specifications
Full specification comparison across fees, reward return schedules, airport lounge access, UPI support, and eligibility criteria.
| Specification / Metric | HDFC Bank Purchase Premium Credit Card | HDFC Bank Purchase MoneyBack Credit Card | HDFC Bank Purchase Reward Credit Card |
|---|---|---|---|
| 1. Product Identity & Network | |||
| Official Product Name | HDFC Bank Purchase Premium Credit Card | HDFC Bank Purchase MoneyBack Credit Card | HDFC Bank Purchase Reward Credit Card |
| Legal Card Issuer | HDFC Bank(BANK) | HDFC Bank(BANK) | HDFC Bank(BANK) |
| Payment Network | Visa | Visa | Visa |
| Form Factor | Physical + Virtual | Physical + Virtual | Physical + Virtual |
| 2. Fees & Spend Waivers | |||
| Joining Fee | ₹499 + GST | ₹499 + GST | ₹499 + GST |
| Annual Renewal Fee | ₹499 + GST | ₹499 + GST | ₹499 + GST |
| Renewal Waiver Rule | Waived on annual spends of ₹1,00,000. | Waived on annual spends of ₹1,00,000. | Waived on annual spends of ₹1,00,000. |
| 3. Rewards & Cashback Return | |||
| Reward Currency | Reward Points | Reward Points | Reward Points |
| Base Reward Rate | 1-2% return on retail spends | 1-2% return on retail spends | 1-2% return on retail spends |
| Accelerated Multipliers | Partner merchant tier benefits apply | Partner merchant tier benefits apply | Partner merchant tier benefits apply |
| Monthly Reward Capping | Subject to standard category fair-use caps | Subject to standard category fair-use caps | Subject to standard category fair-use caps |
| 4. Travel, Lounge & Forex | |||
| Forex Markup Fee | 3.50% | 3.50% | 3.50% |
| Domestic Lounge Access | None | None | None |
| International Lounge | Priority Pass standard rates apply | Priority Pass standard rates apply | Priority Pass standard rates apply |
| 5. UPI Payments & Utilities | |||
| RuPay UPI QR Support | Not Available (POS/Online) | Not Available (POS/Online) | Not Available (POS/Online) |
| Fuel Surcharge Waiver | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) |
| 6. Eligibility & Underwriting | |||
| Minimum Monthly Income | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month |
| Recommended CIBIL Score | 720+ | 720+ | 720+ |
| Card Terms & Review | Full Card Specs | Full Card Specs | Full Card Specs |
100% verified against official banking MITC filings and partner regulatory schedules.
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