HDFC Business Corporate MoneyBack Credit Card Review

The HDFC Business Corporate MoneyBack Credit Card is a part of the HDFC Bank business credit card segment. This card is a good option for those who want to make their business trips much more luxurious. This card packs some awesome travel and business-related perks like – free lounge access, reward points that can be converted into air miles, liability coverage protection, and a ton of useful tools that will make your life much smoother.

This card is powered by Visa and it offers up to 50 days of interest-free periods. More details of the card are discussed below. 

HDFC Business Corporate MoneyBack Credit Card Eligibility Criteria:

This card is not meant for personal use, you can only get this card on behalf of your company. 

  • Resident Type: Indian
  • The age of the applicant should be between 21 to 65 years. 
  • The applicant company should be trading for at least 2 years. 
  • The minimum annual turnover of the company should be Rs. 10 Crore. 
  • A long relationship with the bank will help you to get this HDFC MoneyBack Credit Card
  • An excellent credit score (above 780) is needed to apply for this hdfc business credit card.

HDFC Business Corporate MoneyBack Credit Card Required Documents:

  • 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:
    • Income tax return of the last year
    • Proof of business

As per the new credit card rules, new credit cards are delivered in an inactive state, and to start using your new credit card you have to activate it manually by generating a new hdfc credit card pin. The complete hdfc credit card atm pin generation online /offline process can be found on our FAQ page.

HDFC Business Corporate MoneyBack Credit Card Fee:

  • Joining Fee: This will be discussed at the time of approval. 
  • Annual Fee: This will be discussed at the time of approval.

You can make your hdfc credit card payment through online banking account, payzapp credit card payment app, etc. But if you don’t like to make the hdfc bank credit card bill payment online, then you can pay your bill offline via NEFT, Cheque, ATM, or from your nearby HDFC branch. If you need the hdfc credit card payment ifsc code, then you can find it here. You can find more about the offline hdfc credit card payments options from the 100xGain FAQ page

HDFC Business Corporate MoneyBack Credit Card Benefits: 

  • Accelerated rewards:

For each Rs. 150 transaction made with this card, you will get 2 hdfc credit card money back points. These reward points are extremely useful; you can use them for flight/hotel booking by converting them into air miles, or you can use them to get a product from the hdfc bank credit card point redemption catalog. The reward points are valid for 2 years. 

You need to register hdfc credit card to the Frequent flier program to be able to convert your points into air miles. To redeem your reward points, fill up the hdfc money back credit card reward points redemption form and send it to the mail id of hdfc credit card head office

Also if you want to use your card internationally, then you need to turn on the international credit card transaction option from your HDFC net banking account

  • HDFC moneyback credit card lounge access benefit:

Under the HDFC credit card lounge access program, you will get 8 free accesses per year to most of the frontline domestic lounges. You will also get another 6 free accesses per year under the Priority Pass program.

If you are a Visa card user, then you can find the list of participating lounges here. You can also click here to get the list of MasterCard lounges

  • Freedom from fuel surcharges:

If you use this hdfc bank business moneyback credit card to make payments at any fuel station in India, you will get a 1% waiver on fuel surcharges. This hdfc bank credit card offer is applicable only on transactions between Rs. 400 to Rs. 5,000 and you can earn a maximum of Rs. 250 waiver in a credit cycle. 

You can check your total earned benefits from the monthly credit card statement of hdfc bank. You can also download the online hdfc credit card statement from your net banking account

  • Insurance and liability coverage:

On this moneyback credit card, hdfc bank offers complimentary insurance and liability coverage. The details are discussed in the table below. 

Particulars Total coverage amount
Air accidental death Rs. 1 crore. 
Emergency hospitalization (when you are traveling outside India) Rs. 1 lakh. 
Flight delay (applicable for the primary cardholder) Rs. 15,000
Loss of baggage (applicable for the primary cardholder) Rs. 15,000
International flight missing (applicable for the primary cardholder) Rs. 15,000
Corporate liability coverage Rs. 2,00,000 for employee-level frauds.

Rs. 25,00,000 for corporate-level frauds. 

  • A dedicated portal for all your corporate needs:

The smart buy hdfc credit card portal is specialized for all your corporate needs. Here, you will get options like flight/hotel booking, reward redemption, and lots more. On SmartBuy 1 hdfc credit card rewards points value is equal to Rs. 0.30.

  • Useful tools and services that will make your life much easier:

The hdfc moneyback credit card features a number of useful tools and services. The details are given in the table below. 

Individual tools Uses
Advanced reporting tools
  • Detailed reports on spend categories, expenses anytime you want. 
  • Detailed hdfc credit card transaction details of each of your add-on members. 
Convenient resolution process
  • Easy access to domestic and international transaction reports.
  • Easy and convenient claiming process.
  • Minimal hdfc bank credit card processing time
Extra savings
  • Up to 50 days of the interest-free period. 
  • Extra savings on flights and hotel bookings. 
  • Lifetime free add on cards:

HDFC allows you to add your employees with your card as add-on card members so that they can perform corporate-related expenses by themselves. 

You can also track the usage of each of your supplementary cards and set a limit for them from your net banking hdfc credit card account. You can download the hdfc credit card zero annual fee add-on card application form from the hdfc money back credit card form center

  • Easy application process:

HDFC bank offers a seamless application process for its customers. You can test your eligibility and submit your online application for credit card from the HDFC credit card online application portal. And if you don’t want to apply online then you can visit your nearby HDFC branch and submit your hdfc credit card new card request form there. 

Once your application is approved, you will get an HDFC credit card tracking id on your registered email id. You can use this id to track hdfc bank credit card status of delivery. 

  • Contactless payment facility:

This hdfc moneyback platinum credit card is equipped with an advanced contactless payment facility. This feature allows you to make hdfc credit card payments with just a wave at any secure reader machine. 

For security reasons, the credit card contactless payment is limited to Rs. 5000 per transaction. You can also set your desired limit for this particular payment method from the hdfc credit card app for android mobiles

If you notice something unusual with your credit card account, then you can temporarily block your credit card from your hdfc bank credit card phone banking account

HDFC Credit Card MoneyBack Card Details of Applicable Charges:

Particulars Payable amount
Cash Withdrawal Charge 2.5% against the withdrawn amount (min Rs. 500). Check your hdfc moneyback credit card limit before making a withdrawal.
Finance Charges 3.49% monthly or 41.88% annually.
Foreign currency conversion charge 3.5% against the transaction amount.
Add-on card fee Free for a lifetime.

HDFC Credit Card Call Centre Contact Details:

  • Call the HDFC credit card toll free number: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc bank credit card complaint email id: 

100xGain Ratings: 


If you don’t want to keep your old credit card then you can close it very easily, the complete hdfc credit card closing procedure can be found on the 100xGain FAQ page

Final Opinion:

If you are looking for a corporate credit card that can make your business trips more luxurious, then this card will be a solid choice for you. It offers free access to domestic and priority pass lounges, a 1% fuel surcharge waiver, reward points on every purchase which can be converted into air miles, and several other helpful tools that will help you to save a ton of your precious time. 

But there is nothing on the entertainment and dining-related categories which is not a deal-breaker though, and if you are looking for premiums at an affordable rate then this card will be a good option for you.

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