CSC HDFC Bank Small Business MoneyBack Credit Card Review

The HDFC Bank csc small business moneyback credit card is one of the co-branded business credit cards offered by HDFC Bank. This hdfc money back card is a result of the joint collaboration of the Indian private sector bank HDFC and the CSCs (a government initiative to cater utility services to remotest areas of India). Lack of funding is the major obstacle that small business owners often face, and this hdfc business card is dedicated to solving that problem by offering easy access to credit. 

The most attractive feature of the business moneyback credit card is that it offers both cash-backs and hdfc credit card rewards, you will also get some attractive deals on dining spending, lost card liability coverage, fuel surcharge waiver, no-cost credit card emi conversion facility, and lots of other hdfc bank moneyback credit card features

Who can apply for the hdfc bank small business moneyback credit card?

*This business money back card is only available for self-employed individuals only. 

  • Resident Type: Indian
  • For self-employed person:
  • HDFC credit card age limit: 21 to 65 years.
  • Income: The Annual Income Tax return should be greater than Rs.6 lakh. 
  • A credit score of 750+ is mandatory to apply for this hdfc small business moneyback credit card

You can apply for an hdfc bank money back credit card online, but if you are confused with the process, then feel free to visit our FAQ page to know the hdfc money back credit card apply online process. 

What documents are required to apply for an hdfc business credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card application form is submitted successfully, you will get a hdfc credit card application no. You can track your credit card application status with it. You can also visit our FAQ page to know; how to track hdfc credit card status by application no.

What are the hdfc bank small business moneyback credit card fees?

  • HDFC money back credit card joining fee: Rs.250 + GST
  • HDFC money back credit card annual fee: Rs.250 + GST

What are the hdfc moneyback credit card benefits?

  • Add more value to your transactions:

With this business moneyback credit card, you can earn cash back from monthly credit card bill payments. You will get a 5% cashback on utility, telecom bills, and tax payments. The minimum eligible monthly spend is Rs.10,000 and you can earn a maximum of Rs.250 cashback in a credit card billing cycle

  • Make every transaction rewarding:

hdfc bank credit card money back rewards are offered like this. 

Spend category

Total benefits

For every Rs. 150 spend with this moneyback card 4 hdfc credit card money back reward points
For all other categories (excluding fuel purchase) 2 hdfc bank rewards / Rs.150 transaction
Fuel purchase (Applicable for the first year only) 5x hdfc bank reward points / Rs.150 transaction

You can convert your earned hdfc moneyback credit card reward points into cash, 100 hdfc credit card rewards points value is Rs.20. The minimum redemption amount is Rs.2500. You can also use your earned points to get a product from the hdfc money back credit card points redemption catalog

You will be charged Rs.99 per redemption as hdfc money back credit card reward points redemption fee. 

  • Dine with more delight:

Using this moneyback credit card you can enjoy dining at most premium restaurants with up to a 20% discount on your dining bill. You can earn a maximum of Rs.1000 discount in a credit card billing cycle

  • Extra benefits on milestone spend:

The csc credit card milestone benefits are offered like this.

Total spend


If Rs.90,000 spend within a year 1000 bonus hdfc card rewards
If monthly credit card spending is Rs.30,000 and the volume on your POS machine is Rs.25,000 You will get a waiver on your POS machine rental fee

Click here for the applicable hdfc credit card conditions

  • Opportunity to make your hdfc moneyback credit card lifetime free:

On spending Rs.25,000 with your HDFC csc credit card in a year, you will get a complete waiver on your next year’s hdfc credit card annual charges, and you will be able to use your hdfc credit card for free for a year. 

If you can’t use your card for online transactions, then feel free to visit our FAQ page for the hdfc credit card online usage activation process.   

  • Freedom from fuel surcharges:

This hdfc moneyback credit card offers a 1% fuel surcharge waiver across all fuel stations in India. The Minimum eligible transaction amount is Rs.400 and you will get a maximum waiver of Rs.250 in a hdfc credit card billing cycle

  • Complimentary lost card liability coverage:

This moneyback hdfc credit card offers complimentary lost card liability coverage, which means if your card ever gets stolen, you just have to report the loss by calling the hdfc credit card service number and you will not be liable for anything bad that may happen to your hdfc credit card account

You can also temporarily block your hdfc credit card account from your HDFC credit card internet banking account. You can also visit our hdfc card FAQ page to know the complete process. 

  • Enjoy easy bill splitting:

Now you can buy your business essentials in EMI without paying any extra hdfc credit card emi charges. This hdfc credit card feature is very helpful for small business owners. 

  • Auto bill payment facility:

HDFC bank has an auto bill payment system named SmartPay, if you register your hdfc business moneyback credit card with the SmartPay facility, all your monthly utility bills will be paid within their due dates. You can control this hdfc credit card service from your online banking account

  • Enjoy the convenience of contactless payment facility:

The small business credit cards are equipped with the contactless payment facility, this hdfc money back credit card feature allows you to make payments with just a wave at any secure reader machine. This hdfc credit card payment option is very helpful in preventing card misplacements. 

For security reasons, the contactless credit card feature is limited to Rs.5000 per transaction. You can also set your own money back credit card hdfc limit from the hdfc credit card mobile app. 

What are the hdfc credit card maintenance charges?


Chargeable amount

HDFC bank credit card cash withdrawal charges 2.5% against the transaction amount, minimum Rs.500. Check the hdfc moneyback credit card limit before making a withdrawal
HDFC moneyback credit card finance charges 3.6% monthly or 43.2% annually. Applicable even if the minimum due in hdfc credit card bill is paid
HDFC credit card international transaction charges 3.5% against the transaction amount
HDFC money back card add-on card fee Free for a lifetime

How to contact the hdfc bank credit card helpline department?

  • Call the hdfc credit card customer care toll-free number: 1800-266-4332 (Toll Free) / 1800-202-6161(Toll Free) or 022-6160-6161
  • Write to the hdfc bank credit card customer care mail id: 

100xGain Ratings: 


Pros and cons of the hdfc bank small business moneyback credit card:



  • You can earn hdfc rewards points with every transaction.
  • This moneyback hdfc credit card offers a huge discount on dining expenses.
  • There are no travel booking benefits on this hdfc csc credit card.

Final Opinion:

If you are a small business owner and you want a credit card for your business-related expenses, then this hdfc business moneyback credit card will be a good option for you. You will get both cashback and hdfc rewards, exclusive deals on dining, fuel surcharge waiver, lost card liability coverage, no-cost EMI option, etc. 

But this hdfc business card does not offer any lounge access which is very useful for frequent travelers. But this hdfc csc credit card costs only Rs.250 per year and there is nothing much to complain about it. So if you are looking for a low-cost corporate credit card then this hdfc bank business credit card will be a good option for you. 

Alternative cards of the business moneyback credit card: 

  1. HDFC Bank Business Freedom Credit Card (Best for cashback and reward benefits)
  2. HDFC business regalia credit card (Best for cashback and dining benefits)
  3. HDFC Distributor Credit Card (Best for its business tools)

1 thought on “CSC HDFC Bank Small Business MoneyBack Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: