HDFC Bank
HDFC Bank Purchase Moneyback Credit Card
Purchase Moneyback Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees & welcome
Joining fee
₹0 (Nil).
Verified · MITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 2025 · 2026-08-02 · source
Fee waiver
Cash payment of card dues levied with late payment charges in the latest generated statement is exempted from the cash processing fee.
Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (hdfc.bank.in) · 2026-08-02 · source
Earn rates
Up to 1% cashback on spends.
Verified · Purchase Moneyback Credit Card product page · 2026-08-02 · source
Fees & charges
Charge
- Charges on revolving credit: Purchase MoneyBack 1.99% per month (23.88% annually).
- Charges on non-payment (from transaction date): Purchase MoneyBack 1.99% per month, 23.88% annually.
- Cash Processing Fee: 1% of amount on all cash payment of card dues.
- Payment Return fee: 2% of payment amount, minimum ₹450.
- Reissue of Lost/Stolen/Damaged Card: ₹100 per card re-issued.
- Outstation Cheque Processing: cheque value up to ₹5,000 - ₹25.
- Above ₹5,000 - ₹50.
- Retrieval Fee (chargeslip): ₹125 per chargeslip.
- Late Payment Charges by outstanding balance: up to ₹100 - ₹0.
- ₹100 to ₹500 - ₹100.
- ₹500 to ₹5,000 - ₹500.
- ₹5,000 to ₹10,000 - ₹600.
- More than ₹10,000 - ₹750.
- Dynamic & Static Conversion Markup fee (w.e.f 1 Jan 2023): 1% on transactions in Indian currency at an international location or at merchants located in India but registered overseas.
- Railway ticket purchase: 1.8% + GST on HDFC Bank payment gateway.
- Other banks' gateway as per IRTC website.
- Rent Payment (third party merchants): 1% fee on transaction amount, capped at ₹4999 per transaction (w.e.f 1 July 2025).
- Online Skill based Gaming (w.e.f 1 July 2025): 1% fee on spends exceeding ₹10,000 in a calendar month, capped at ₹4999 per transaction.
- Wallet Loading excl PayZapp (w.e.f 1 July 2025): 1% fee on spends exceeding ₹10,000 in a calendar month, capped at ₹4999 per transaction.
- GST at 18% applicable on all fees and charges.
Verified · harvested from product page · 2026-08-02 · source
Fuel
Fuel surcharge waiver
- 1% fuel surcharge waiver capped at 1% up to ₹500 per billing cycle for transactions between ₹400 and ₹5,000 (GST applicable) - applies to Purchase Premium Card.
- For other commercial cards the rate of surcharge may vary depending on the fuel station and their acquiring bank.
Verified · MITC – Purchase Card & Aviation Card (Commercial) v2.6, Apr 2025 · 2026-08-02 · source
Rewards
Reward cap
Rebate limit capped to ₹10 Lacs/month.
Verified · Purchase Moneyback Credit Card product page · 2026-08-02 · source
Official terms
Official terms
https://www.hdfc.bank.in/commercial-credit-cards/purchase-moneyback-credit-card.
Verified · Purchase Moneyback Credit Card product page · 2026-08-02 · source
Official sources
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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