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Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.
*Offers are from Paisabazaar's partner Banks & NBFCs.
HDFC Business MoneyBack Credit Card is a low annual fee business credit card. The card offers both reward points and cashback to its users making it a great choice for a wide variety of businesses. Besides this, other offers like cash back and fuel surcharge waiver are also provided.
Note: As per RBI Advisory, HDFC Bank is not accepting new applications for credit cards.
Key Highlight of HDFC Business MoneyBack Credit Card |
Eligibility | Apply | Fees | FAQs |
Rewards Program – Features of the reward program are:
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.
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.
| Fee/Charge | Amount/Rate |
| Annual Fee | Rs. 500 |
| Renewal Fee | Rs. 500 |
| Overlimit Fee | 2.5% of the amount or Rs. 550, whichever is higher |
| Finance Charges | 3.6% p.m. | 43.2% p.a. |
| Late Payment Charges | For Statement Balance:
|
| Payment Return Charges | 2% of the payment amount or minimum Rs. 450 |
| Cash Advance Charges | 2.5% of withdrawn amount or Rs. 500, whichever is higher |
Suggested Read: 7 Credit Card Fees and Charges You Must Be Aware Of
The following eligibility criteria should be met by the applicant:
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:
| Proof of Identity | For Applicant- Aadhaar, PAN, Voter’s ID, Driving License, Passport, etc. For Business- PAN Card of the business, License/Registration, Partnership Agreement, etc. |
| Proof of Address | For Applicant- Voter’s ID, Passport, Aadhaar, Driving License, Ration Card or other government-approved address proof For Business- Business License/Registration, Business PAN, Partnership Agreement, etc. |
| Proof of Income | P&L Statement of the Business, Balance Sheet, Acknowledged ITR, etc. |
To apply for HDFC Business Gold Credit Card, one can do any of the following:
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.
It is a good credit card that gave benefits on entertainment. I am satisfied with this.
Hi! i am very satisfied with the service because I got The Card in Just a single click with good limit. Really thanks to Paisabazaar and Ankit Pandey(EW04877).
It is truly addictive as the advantages are plenty. In fact, what you pay for the card is negligible if you compare it with the offerings. Now it appears I can't live without this card
This card has no parallel. I have used plenty of credit cards but this offers innumerable benefits. Now it appears, I can't live without this card and it is truly addictive
Glad that the agents come right at my door for the documentation of this card.
I simply cherish the vast mix of benefits and savings coming my way with this card.
