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.

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.

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.

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.

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

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.