Business MoneyBack Credit Card

Rewards, as stated by the issuer

• Enjoy dining privileges with the Good Food Trail Program and get up to 20% off
• Reward Points will be credited as CashPoints based on the product features
• Customers can redeem CashPoints against their statement balance (100 Points = up to ₹20
• For redemption against the statement balance, the Cardholder must have a minimum 2​,500 Reward Points
• Reward redemption fee of ​​₹99 per request will be applicable on all redemptions
• ​​CashBack against statement
• Up to ₹0.25
• Airmiles conversion through NetBanking
• Up to ₹0.25 airmiles
• Earn up to 15,000 Reward Points per statement cycle with this card
• CashPoints can be redeemed for up to 50% of the booking value for flights and hotels
• Rent payment and Education related transactions will not earn reward points
• Reward points earned on Grocery transactions will be capped to 1,000 per month
• Redemption of Travel Reward Points will be capped at 50,000 points per month
• Reward Points can be redeemed for gifts and air miles from an exclusive rewards catalogue at the applicable rate
• Unredeemed Reward Points will expire/lapse after 2 years of accumulation
• Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card

Other benefits

• 2X Reward Points (RP) on every ₹200 spent online* and 2 RP on other retail spends
• Up to 50 days of interest-free credit period for vendor/supplier bills and GST payments
• Buy interiors, furniture, electronics, ACs and more in bulk for your business with Easy EMI options
• SmartPay is an auto-payment feature on your Credit Card to pay utility bills, ensuring timely payment of bills
• Up to ₹1,800 cashback in the first year and ₹800 in e-vouchers for adding 2 plus bills
• Option to convert big spends into EMI after purchase
• Credit and Safety
• Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
• Indulge in mouth-watering discounts! Pay with your HDFC Bank Business Moneyback and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants!
• Revolving Credit is available at a nominal interest rate
• Check the fees and charges section for more details
• Get up to 50 days of interest-free credit from the date of purchase
• The offer is subject to the submission of the charge by the merchant
• Stay protected against unauthorised use when you shop anywhere with EMV Chip Card technology
• Zero liability on fraudulent transactions made on your Card if reported immediately to our 24-hour Call Centre
• Enjoy quick and secure contactless payments at retail outlets
• In India, contactless payments up to ₹5,000 don't require a PIN for a single transaction
• For amounts ₹5,000 or more, the Cardholder must enter the Credit Card PIN

Welcome & milestones

Lounge access

No airport lounge rule is listed on this card's page.

Every fee line found on the page

• 2,500 Reward Points on spends of ₹1.8 lakh annually
• Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
• Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
• Reward redemption fee of ​​₹99 per request will be applicable on all redemptions.
• The HDFC Bank Business MoneyBack Credit Card is designed for self-employed Indian citizens aged between 21 to 65 years with an annual ITR above ₹6 lakh. It offers rewards, ​CashBack, and various benefits on business-related spends.
• To be eligible for the Business MoneyBack Credit Card, the applicant should have an annual Income Tax Return (ITR) above ₹6 lakh.