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Key Highlights of HDFC Business MoneyBack Credit Card

Following are the key highlights of HDFC Business MoneyBack credit card features:

  • Get an interest free credit period of up to 50 days.
  • Register your card with HDFC Bank's Utility Bill payment service, i.e.SmartPay to ensure that all your utility bills are paid on time in a convenient and easy manner.
  • Report the loss of your HDFC Bank Business MoneyBack credit card immediately to the 24-hour call centre of
  • HDFC Bank to get a zero liability on any fraudulent transactions done through your card. 
  • Enjoy revolving credit on your card at a nominal interest rate. 
  • Exclusive SmartBuy Business portal available for all business cardholders.
  • The HDFC Bank Business Moneyback Credit Card is enabled for contactless payments.

Features & Benefits of HDFC Business MoneyBack Credit Card

Following are the HDFC Business MoneyBack Credit Card benefits in detail:

Welcome Benefits

  • Complimentary Zomato Gold membership on spending worth Rs. 75,000 within the first 3 months of credit card issuance. 
  • With the Zomato Gold membership, get a complimentary dish on your every visit at a Gold food partner restaurant or get 2 complimentary drinks at select Zomato partner restaurants.

Reward Points 

  • Earn 4 reward points for spending every Rs. 150 on online spends. 
  • Earn 2 reward points on spending on all other categories (except fuel).
  • Earn 5X reward points (maximum 1000 points in a month) on fuel.

Cashback

  • Get 5% cashback on telecom, utility, government and tax payments.
  • Current Account Holders will get double cashback on all business essentials like telecom, utility, government and tax payments (up to Rs. 500 per statement). 
  • Maximum cashback available is Rs. 250 per statement cycle on minimum monthly spends of Rs. 10,000 from second year onwards.
  • Reward points can be redeemed for cashback. 
  • 100 Reward Points = Rs. 20

POS Rental Reversal

  • Get POS rental reversal on monthly spends of Rs. 30,000 on your Business Money Back Credit Card HDFC and monthly volume of Rs. 25,000 on the HDFC POS machine, limited to Rs. 1,000 per month.

Fuel Surcharge Waiver

  • Get waiver on 1% fuel surcharge at all fuel stations across India. 
  • The minimum transaction should be Rs. 400 to avail the benefit. 
  • Maximum cashback available up to Rs. 250 per statement cycle.

Dining Benefits

  • Save up to 20% on your dining bills paid via dineoutPAY.
  • Maximum discount available is Rs. 1,000 per transaction per customer per month. 

Annual Spend Benefit

  • Earn 2500 Bonus Reward Points on spending Rs. 1,80,000 annually.

Renewal Offer

  • Get the renewal fee waived off for the next renewal year on spending Rs. 50,000 in 12 months.

Exclusive EASYEMI Offers for Business Credit Cards

  • No need to block your capital with the EasyEMI feature for SMEs. 
  • Buy interiors, furnitures, electronics, air conditioners and more in bulk with No Cost EMI offer.

HDFC Business MoneyBack Credit Card Fees & Charges

Following are the fees and charges associated with the HDFC credit card business money back:

  • Joining fee: Rs. 500 + applicable taxes.
  • Annual fee: Rs. 500 + applicable taxes. Spend minimum Rs. 50,000 in 12 months to get the next year’s HDFC Money Back Credit Card annual fee waived off.
  • Charges on revolving credit: 3.49% per month (41.88% p.a.).
  • Auto EMI conversion charges: 20% interest rate and processing fee of Rs. 99.
  • Cash advance fees: 2.5% of the withdrawn amount or Rs. 500, whichever is higher.
  • Late payment charges: Up to Rs. 1,300.
  • Overlimit account charges: 2.5% of overlimit amount, minimum Rs. 500.
  • Charges for payment return: 2%, minimum Rs. 450.
  • Rewards redemption fee: Rs. 99 per redemption request. 
  • Cash processing fee: Rs. 100. 
  • Balance transfer processing fees: 1% of the balance transfer amount or Rs. 250, whichever is higher.
  • Foreign currency transactions: 3.49%
  • Reissuance of lost/stolen/damaged card: Rs. 100.
  • Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
  • Railway ticket purchase charges: 1% of the transaction amount + GST.
  • Outstation cheque processing fees: Rs. 25 for cheque value up to Rs. 5,000 and Rs. 50 for cheque value above Rs. 5,000.
  • Goods and Services Tax (GST): GST will be charged wherever applicable.
  • TDS on withdrawals above Rs. 1 Crore: 2% on total cash withdrawals above Rs. 1 Crore.

HDFC Business MoneyBack Credit Card Eligibility

Following are the eligibility criteria for HDFC MoneyBack Business Credit Card:

  • The Applicant should be a self-employed individual. 
  • The Applicant should be an Indian citizen. 
  • The applicant should be aged between 21 to 65 years.
  • Annual Income Tax Return of the applicant should be above Rs. 6 Lakhs.
  • Customers can apply for the credit card using their ITR, GST returns, Bank Statements and Merchant payment report.

HDFC Business MoneyBack Credit Card Document Required

Following are the documents required to apply for the HDFC Business Money Back credit card:

  • Customers can apply for the credit card using their ITR, GST returns, Bank Statements and Merchant payment report.
  • Any of the following documents as address proof:
    • Aadhaar Card
    • Ration Card
    • Passport
    • Voter ID
  • Any of the following documents as identity proof:
    • Aadhaar Card
    • Driving License
    • Passport
  • Income proof documents: 
    • Form 16
    • Income Tax Returns

How to Apply for an HDFC Business MoneyBack Credit Card?

You can apply for the Business MoneyBack credit card HDFC online through our website by following the steps mentioned below:

  • Click on the ‘Credit Cards’ on the homepage of MyMoneyMantra.
  • Choose ‘HDFC’ from the dropdown menu and then click on the ‘Apply Now’ button.
  • Enter all the required details, such as your name, mobile number, email address, employment information, income details, and so on.
  • Verify your mobile number with an OTP.
  • You will get a call from our credit cards expert soon to help you complete the credit card application process.

Some Other HDFC Bank Credit Cards

Apart from HDFC Business MoneyBack Credit Card, HDFC Bank offers the following credit cards:

  • MoneyBack Credit Card
  • MoneyBack+ Credit Card
  • HDFC Freedom Credit Card
  • INFINIA Metal Edition
  • Diners Club Black Credit Card
  • IndianOil HDFC Bank Credit Card
  • Millennia Credit Card
  • Paytm HDFC Bank Credit Card
  • Paytm HDFC Bank Select Credit Card
  • Paytm HDFC Bank Mobile Credit Card
  • Regalia Credit Card
  • Regalia First Credit Card
  • Diners Club Privilege Credit Card
  • Diners ClubMiles Credit Card
  • Platinum Times Card
  • Titanium Times Card
  • 6E Rewards - IndiGo HDFC Bank Credit Card
  • 6E Rewards XL- IndiGo HDFC Bank Credit Card
  • InterMiles HDFC Bank Diners Club Credit Card
  • InterMiles HDFC Bank Platinum Credit Card
  • InterMiles HDFC Bank Signature Credit Card
  • Paytm HDFC Bank Business Credit Card
  • Paytm HDFC Bank SELECT Business Credit Card
  • Business Regalia
  • Business Bharat Credit Card
  • Business Freedom Credit Card
  • Business Gold Credit Card
  • Business Platinum Credit Card
  • Business Regalia First Credit Card
  • Best Price Save Max HDFC Bank Credit Card
  • Best Price Save Smart HDFC Bank Credit Card
  • CSC Small Business MoneyBack 
  • All Miles Credit Card
  • Bharat Credit Card
  • Diners Club Premium Credit Card
  • Diners Club Rewardz Credit Card
  • Doctor's Regalia Credit Card
  • Doctors Superia Credit Card
  • Platinum Edge Credit Card
  • Platinum Plus Credit Card
  • Solitaire Credit Card
  • Superia Credit Card
  • JetPrivilege HDFC Bank Select / Titanium
  • Teachers Platinum Credit Card
  • Visa Signature Credit Card
  • Titanium Edge Credit Card
  • World MasterCard Credit Card

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Business MoneyBack Credit Card FAQs

Does HDFC Business MoneyBack Credit Card provide any reward?

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Yes, HDFC Small Business MoneyBack Credit Card  provides the following reward points:

  • Earn 4 reward points for spending every Rs. 150 on online spends. 
  • Earn 2 reward points on spending on all other categories (except fuel).
  • Earn 5X reward points (maximum 1000 points in a month) on fuel.

What is the HDFC Business MoneyBack Credit Card limit?

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The HDFC Business MoneyBack credit card limit depends on many factors, including the applicant’s income, credit score, active credit cards and their limits, existing relationship with HDFC Bank, and so on. 

How to check the status of HDFC Business MoneyBack Credit Card?

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You can check the status of HDFC Diners Black credit card using the Application Tracker page of HDFC bank by entering your registered mobile number. You can also call at the customer care number of the bank or visit the nearest branch.

How can I increase the limit of HDFC Business MoneyBack Credit Card?

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Use the following tips to increase your HDFC Bank Small Business MoneyBack credit card limit:

  • Call the customer care number of HDFC bank and request for the HDFC Business MoneyBack credit card maximum limit. 
  • Provide more information about your income like an enhancement in your income, etc.
  • Many banks offer an annual increase in the credit card limit if customers pay the balance on time. Check with the bank about it.
  • Improve your credit score by paying your dues on time to increase HDFC Business Money Back credit card limit. 

How can I redeem the reward points on HDFC Business MoneyBack Credit Card?

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You can redeem the accumulated reward points for cashback. 
100 Reward Points = Rs. 20 
Minimum redemption amount should be of Rs. 2,500.
Reward points can be also redeemed against exciting gifts & air miles from an exclusive rewards catalogue of HDFC, at the applicable redemption rate. 
Reward redemption fee of Rs. 99 will be applicable per request on all redemptions.
The request for redemption can be made through: 
Net Banking after logging to your account. Go to the ‘Cards’ section, select ‘Redeem Reward Points’ option under the ‘Enquire’ tab. 
Through Phone Banking. Phone banking numbers are available on the reverse side of the credit card.

Which HDFC credit card is best for cashback?

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Following are some of the best HDFC credit cards for cashback:

  • HDFC Business MoneyBack Credit Card
  • HDFC Millennia Credit Card
  • HDFC MoneyBack+ Credit Card
  • HDFC Moneyback Cedit Card

What is the billing cycle of HDFC Business MoneyBack Credit Card?

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The billing cycle of HDFC Business MoneyBack Credit Card is the 30-day period for which the statement is generated. It is the period between 2 consecutive statement dates. The HDFC credit card bill is a reflection of your transactions made during the billing cycle, apart from the interest levy and late payment fee (if any).