HDFC Business MoneyBack Credit Card

Rewards Program – Features of the reward program are:

• 4 Reward Points per Rs. 150 spent online
• 2 reward points per Rs. 150 spent. Excludes fuel spends
• 100 reward points = Rs. 20
• Reward points will be valid for two years since the date of accrual

Cashback Offers – 5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi spends. The maximum cashback offered is Rs. 250 per month.  You must spend a minimum of Rs.10,000 per month to avail cashback.

Welcome Benefit- Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months.

NOTE: This offer is not applicable for cards sourced after 20th January, 2021.

Fuel Surcharge Waiver – Fuel surcharge waived on spends over Rs. 400. Maximum waiver offered is capped at Rs. 250 per statement cycle.

Security – MoneyBack Credit Card is embedded with a small EMV microchip which enables it to get swiped at any point of sale (POS) safely and securely.

Zero Liability on Lost Cards – User will not be liable to bear any fraudulent charges borne out of a reported lost card.

Dining Benefit- Get up to 20% savings for payments via Dineout Pay with Business Moneyback Credit Card*, including additional 5% off on paying using Dineout Pay linked to Business Moneyback. Avail Exclusive complimentary Dineout Passport Membership which offers:

• Assured flat 25% off at 2000+ premium restaurants
• 1+1 on buffet at 200+ restaurants
• Early access to events and festivals such as Gourmetlicious

Note: Dineout Passport Membership will be applicable when you spend Rs.30,000 and more every calendar quarter using your Business Moneyback Credit Card. Membership is valid for 3 Months – One city.

Annual Spend Based Benefit- Earn 2,500 Bonus Reward Points on annual spends of Rs. 1,80,000.

Renewal Offer- 

• Spend Rs. 20,000 & above in the first 90 days and get first year memebership fee waived off
• Spend Rs. 50,000 in 12 Months and get renewal fee waived for next renewal year

Suggested Read: 7 Credit Card Fees and Charges You Must Be Aware Of

The following eligibility criteria should be met by the applicant:

• A self-employed professional is eligible to apply for HDFC Business MoneyBack Card.
• In both cases, the minimum age of the applicant must be 21 years. The maximum age is 65 years.
• The income tax return filed by the applicant must be above Rs. 6 lakh a year.

Documents Required

Two-fold verification is needed in case of business credit cards. Applicants will be required to submit the proof of identity, address and income for themselves as well as for their business. The following documents may be accepted as proof:

To apply for HDFC Business Gold Credit Card, one can do any of the following:

• Visit any nearby branch of HDFC bank and apply for the credit card
• Call customer care and place a request
• Apply online via the official website of HDFC Bank

The bank will guide you with the necessary documents that need to be submitted along with the duly filled in application form.

What is the maximum benefit that can be availed in a year from HDFC Business Gold Credit Card?

Users can enjoy business saving up to Rs. 21,000 per year from HDFC Business Gold Credit Card.

How does Easy EMI scheme work?

HDFC has tied up with some merchant outlets under the Easy EMI program. Visit any one of those outlets and select the product. While making the payment, inform the cashier that you wish to buy this product under EMI via your HDFC Business Gold Credit Card. A one-time processing fee will be charged on the transaction.

Is there any additional charge to be paid for booking railway tickets via HDFC Business Gold Credit Card?

Yes, 1.8% of the transaction amount along with GST is to be paid.

Is there any mark-up fee for overseas funds transactions for Business Gold Credit Card?

Bank will impose 3.5% of the transaction amount as a mark-up fee for international transactions.