HDFC Business MoneyBack Credit Card Review

HDFC Bank, the financial giant of India offers so many credit cards of different categories, and the hdfc bank business moneyback credit card is one of them. It is a corporate credit card designed to provide support to small businesses with its no-cost EMI option. Apart from that, this hdfc business card offers; exclusive deals on dining, a handsome fuel surcharge waiver, etc. HDFC calls this card supersaver on their website, so let’s see how much savings it can offer us.

What are hdfc business moneyback credit card eligibility criteria?

*This hdfc moneyback card is only available for self-employed individuals.

  • Resident Type: Indian
  • Age: The age of the applicant should be between 21 to 65 years. 
  • Income: Annual Income Tax Return should be greater than Rs. 6 lakh. 
  • An excellent credit score (above 770) is needed to apply for this hdfc business moneyback credit card

If you don’t know; how to apply for hdfc credit card? then feel free to visit our FAQ page to know the complete credit card application process.

What documents are required to apply for hdfc bank business moneyback 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:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card application is submitted successfully, you can track hdfc credit card status using application number.  

What are the hdfc moneyback credit card yearly charges?

  • HDFC business money back credit card joining fee: Rs. 500 + GST
  • HDFC business moneyback credit card annual fee: Rs. 500 + GST

What are the hdfc business moneyback credit card benefits?

  • Attractive cashback offers on hdfc credit card:

On spending Rs.10,000+ with your card within a bill cycle of hdfc credit card, on telecom, tax, and utility bill payments, you can get a 5% cashback on the accumulated amount. You can get a maximum of Rs.250 cashback in a hdfc credit card billing cycle. 

  • Make every transaction rewarding:

This hdfc business credit card reward benefits are offered like this.

Description of spending 

Total benefit 

Every Rs.150 online transaction 4 hdfc credit reward points
On all other HDFC business moneyback credit card transactions. (Min Rs.150) 2 hdfc bank card rewards
For every Rs.150 spent on fuel purchases 5X hdfc credit card points

You can earn a maximum of 1000 hdfc money back credit card reward points in a credit card billing cycle from fuel purchases. You can redeem your total earned hdfc credit card reward points to cash. You will get Rs. 20 for each 100 hdfc card rewards. The minimum hdfc bank credit card reward points redemption amount is Rs. 2500. 

You can also use your points to get a product from the hdfc credit card points catalogue. The hdfc moneyback credit card reward points redemption charge is Rs.99 per redemption. 

  • Premium dining experience:

Using this hdfc money back credit card you can enjoy up to a 20% discount on your dining bill. Also if you link your hdfc moneyback card with the Dineout pay app, you will get an additional 5% discount. You can earn up to Rs.1000 discount in a credit card billing cycle.

  • Attractive hdfc credit card petrol surcharge waiver offer:

This hdfc moneyback credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The minimum eligible transaction is Rs.250 and you can earn a maximum of Rs. 400 cashback in a hdfc credit card credit cycle. 

  • Opportunity to earn some extra:

You can earn some extra benefits on milestone spends. 

Description of spending

Total benefit

Rs. 1,80,000 with your hdfc business card within a year 2,500 hdfc credit card bonus points.
The monthly credit card transaction amount is above Rs.30,000 and the monthly volume of your POS machine is Rs.25,000 or more. You will get an Rs.1000 waiver on POS machine rental charges.

You can keep track of your monthly credit card usage from the hdfc mobile app for credit cards. You can also visit our hdfc card FAQ page to know the complete process. 

  • Opportunity to make your hdfc money back credit card lifetime free:

 If you can spend Rs. 50,000 or more in a year, you will get a full waiver on the next year’s hdfc credit card annual fee.

  • Lost card liability coverage:

If you ever lost your Business money back credit card, you just have to report the loss by calling hdfc card customer care no and you will no longer be liable for any fraudulent transactions that may happen to your money back card

For any hdfc bank credit card frauds complaints you can contact the hdfc credit card tollfree number or write to the hdfc credit card customer care email address given below. You can also block your credit card from the mobile application for hdfc credit card.

  • Enjoy easy bill splitting:

On this business money back credit card hdfc bank offers a no-cost EMI option, it allows you to purchase all your office essentials in bulk and convert the purchase into small monthly installments without paying any extra hdfc credit card emi charges

If you don’t know how to convert emi in hdfc credit card? then feel free to visit our FAQ page for the complete process.  

  • Contactless payment facility:

This HDFC business moneyback credit card is equipped with an advanced contactless payment facility. This hdfc credit card facility allows you to make payments just by placing your hdfc bank credit card over any secure reader machine. 

What are the hdfc business moneyback credit card charges?

Particulars  Payable amount
HDFC credit card withdrawal charges 2.5% against the transaction amount, min Rs. 500, check your hdfc moneyback credit card limit before making a withdrawal.
HDFC moneyback credit card finance charges 3.6% monthly or 43.2% annually, applicable even the minimum amount due in hdfc credit card bill is paid.
International credit card transactions charge 3.5% against the transaction amount.
HDFC bank add on credit card fee Free for a lifetime.

As per the credit card rules, hdfc international credit card transactions on new hdfc credit cards are temporarily disabled, so if you want to know how to enable international transaction on hdfc credit card? then make sure to take a look at our faq page.

How to contact the hdfc bank credit card customer care department?

  • Call the hdfc bank credit card toll-free no: 1800-266-4332 (Toll-Free) or 022-616-6161
  • Write to the hdfc credit card helpline email id: 

If you don’t want to use your old hdfc business card anymore then visit our FAQ page to know how to surrender hdfc credit card permanently? You can also download the hdfc credit card closure form from here.

100xGain Ratings: 


Pros and cons of the business money back hdfc credit card:



  • The rate of earning hdfc bank reward points is quite impressive.
  • You will get a no-cost EMI option with this business money-back card.
  • There are no dining or entertainment benefits on this business moneyback card.

It is frequently asked, ‘What is the limit of HDFC business credit card?’ depending on your credentials, you can get a credit limit of Rs.1.5 lakh or more on your business moneyback card.

To know, ‘What is the limit of business MoneyBack credit card?’ log in to your hdfc online net banking account, you will find all the details there.

Final Opinion:

If you want a low-cost credit card for your business-related expenses, then the HDFC business moneyback credit card will be a very good option for you. The most useful feature of the card is the No-cost EMI option, apart from that you will get attractive hdfc moneyback reward points, huge discounts on dining spending, fuel surcharge waivers, etc. 

So, at Rs.500 it is not a bad credit card, and if you have the eligibility, you should go for this hdfc moneyback platinum credit card. But if you are looking for some alternative cards, then feel free to take a look at the alternative card options given below.

Alternative cards of the hdfc moneyback business credit card: 

  1. Kotak Best Price Credit Card (Best for corporate-related benefits)
  2. HDFC Bank Central Travel Account Credit Card (Best for its business tools)
  3. HDFC Distributor Credit Card (Best for its business tools)

People often ask, ‘Which is the best credit card of HDFC?’ If you ask me, I would say hdfc infinia credit card is the best card offered by HDFC bank.

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