HDFC Business MoneyBack Credit Card

Below mentioned are some of the major HDFC Business MoneyBack Credit Card benefits that can help you maximize your savings:

Rewards Program

• Earn 4 reward points per Rs. 150 spent online
• Earn 10 reward points per Rs. 150 spent on fuel (Maximum 1,000 points in a billing cycle)
• 2 reward points per Rs. 150 spent on all retail spends (except fuel, EMI and wallet reloads)
• Get 2,500 bonus reward points on spending Rs. 1.8 Lakh in a year
• Redeem rewards to get cashback in your statement (100 reward points = Rs. 20)
• Reward points will be valid for two years since the date of accrual

Cashback Offer

• Get 5% CashBack on essential spends of your business including tax payments, electricity bills, telephone and internet bills)
• Minimum monthly spend of Rs. 10,000
• Maximum cashback offered is Rs. 250 per month

Other Benefits for Businesses

• HDFC Bank current accountholders get better cashback benefits on business essential spends. The maximum monthly cashback is capped at Rs. 500.
• HDFC Bank merchant customers also get special offer. On spending Rs. 30,000 in a month and accepting volume worth Rs. 25,000, they can save up to Rs. 1,000 per month towards the rent of the POS machine.
• Manage vendor and distributor payments conveniently through a single app- SmartHub

Fuel Surcharge Waiver

1% fuel surcharge waived on spends over Rs. 400. Maximum waiver offered is capped at Rs. 250 per statement cycle.

The table below shows the fees and charges applicable to HDFC Business MoneyBack Credit Card:

Click here to see other fees and charges applicable to HDFC Business Moneyback Card.

The following eligibility criteria should be met by the applicant to avail of HDFC Bank Business MoneyBack Credit Card:

Click here to check the list of documents required. Please note that the eligibility criteria and documentation details are only indicative; approval or rejection of card application will be at the HDFC Bank’s sole discretion.

HDFC Business MoneyBack Credit Card is a thoughfully designed credit card. It offers benefits on some practical business expenses like electricity bills, tax payment, etc. Fuel is also a considerable expense for businesses and the card rewards its users with extra points on fuel. Considering such benefits, HDFC Business Moneyback is best suited for self-employed individuals who would like to save on their daily business expenses in the form of cashback and reward points. High spenders will also be rewarded with bonus points. HDFC Bank also provides access to the SmartHub app, using which cardholders can easily manage vendors and distributors.

Does HDFC Business MoneyBack Credit Card offer reward points on all spends?

No. Reward points will not be accrued on wallet reloads and EMI transactions. All other retail spends are eligible for rewards.

I paid my electricity bill for my shop using HDFC Bank Business MoneyBack Credit Card. Why didn’t I get the cashback?

To earn 5% cashback on electricity and other business essentials, the minimum monthly spends in these categories should be Rs. 10,000. Also, you can earn a maximum cashback of Rs. 250 in a month. So, if you have already reached this monthly mark, no cashback will be earned for additional transactions.

What is Easy EMI option offered with HDFC Business MoneyBack Credit Card?

Using your HDFC Business Moneyback Card, you can make big-ticket purchases for your business and convert them into EMIs to be paid over a few months. This facility is known as Easy EMI.

What happens if I lose my HDFC Business MoneyBack Credit Card?

You should report the loss of your card by calling on HDFC Bank’s 24-hour customer support cell. The card will be blocked and a new card will be issued to you.

Can I convert my reward points to air miles earned through HDFC Bank Business MoneyBack Credit Card?

Yes. Reward points can be converted to air miles at a value of 1 RP = 0.25 air mile.