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HDFC Business Moneyback Credit Card is a business card offered by HDFC Bank with a low annual fee. It is designed for all types of business transactions, and users can receive reward points and cashback on their transactions. HDFC Bank also offers the standard MoneyBack Plus Credit Card, which can be considered the non-corporate version of this Business MoneyBack Card. The HDFC Business Moneyback Credit Card charges ₹500 as joining fees and annual renewal charges. The card offers great reward points, such as 4 Reward Points on every ₹150 spent online and 2 Reward Points on every other spend. Also, the card offers 5% Cashback on Telecom, Utility, Government, and tax Payments. The rewards are spending-based: the more you spend, the more rewards you earn.
The card also offers other benefits like zero lost card liability, fuel surcharge waiver, dining benefits, annual spending-based benefits, contactless payment, and much more. The HDFC Business Moneyback Credit Card is a great deal for Small and Medium Enterprises (SMEs) as it offers No-Cost EMI options where they can buy furniture, spend in bulk, and do big business transactions. Keep reading for a detailed review of this credit card:
HDFC Bank Business MoneyBack Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Movie & Dining
Upto 20% Off on Dining Bills With Swiggy Dineout
Rewards Rate
4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spent
Reward Redemption
Accumulated Reward Points can be redeemed for CashBack (100 Reward Points = Rs. 20) Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate.
Travel
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Golf
NA
Insurance Benefits
NA
Spend-Based Waiver
Spend Rs. 50,000 in a year and get a waiver of next year's annual membership fee.
Rewards Redemption Fee
Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup
3.5%
Interest Rates
3.6% per month (43.2% per annum)
Fuel Surcharge
1% fuel surcharge waived off for all transactions between Rs. 400 & Rs. 5,000 and Maximum Cashback of ₹250 per statement cycle.
Cash Advance Charges
2.5% of the withdrawal amount subject to a minimum charge of Rs 500
- Get 4 Reward Points on every ₹150 spent online and 2 Reward Points on every other spend of ₹150.
- 5% Cashback on Telecom, Utility, Govt & Tax Payments.
- Zero cost liability on reporting the lost card to the bank’s 24-hour call center.
- Get a 1% fuel surcharge waiver.
- Save upto 20% on dining bills paid through Swiggy Dineout.
The HDFC Business Moneyback Credit Card Features
The HDFC Business Moneyback Credit Card is a great deal for businesses to spend more and receive more in terms of reward points. Let’s look at its benefits, fee structure, and much more:
Fuel Surcharge Waiver
Cardholders can get a 1% waiver on the surcharge applicable to fuel purchases made with the HDFC Business Moneyback Credit Card. The waiver applies only to fuel transactions between ₹400 and ₹5,000, and the maximum waived amount is capped at ₹250 per statement cycle.
Dining Benefit
You can save up to 20% on dining bills paid through Swiggy Dineout.
Milestone Benefits
The cardholders can earn 2,500 Bonus Reward Points on annual spends of ₹1,80,000.
Renewal Fee Waiver
The cardholders can get a Renewal Fee waived for next year on spending ₹50,000 in 12 Months.
HDFC Business Moneyback Credit Card Reward Points
- You get 2 Reward Points on every ₹150 retail spend.
- You get 4 Reward Points on every ₹150 spent online.
- The reward points you earn using this card are valid for two years from the accumulation date.
- No reward points are awarded for spending made on wallet, EMI, rent, education, and fuel.
Reward Points Redemption
- The cardholder can redeem accumulated Reward Points for Cashback (100 Reward Points = ₹20). Do note that the minimum redemption amount should be ₹2,500.
- Reward Points can also be redeemed for exciting gifts and air miles from an exclusive rewards catalog at the applicable redemption rate.
- It is to be noted that the Reward redemption fee of ₹99 per request will be applicable on all redemptions.
HDFC Business Moneyback Credit Card Eligibility Criteria
Like the general credit cards, corporate cards also have some specific eligibility criteria that need to be fulfilled by the applicants in order to get approved for this credit card. The following are some basic eligibility requirements for the HDFC Bank Business MoneyBack Credit Card:
| Category | Self-Employed |
| Age | 21 Years to 65 Years |
| Income | Minimum ₹6,00,000 per annum |
Conclusion
HDFC Business Moneyback Credit Card is a good choice for every business professional as the card offers a great opportunity to earn reward points. The card offers reward points on every business transaction incurred by the business, either on online spending or other spends as well. It also offers reward points on fuel transactions as well. On top of that, one can exchange these reward points for cashback, which can be used to pay bills. Therefore, the card is a great deal for those who are looking for reward points on tons of transactions made in the business. This was the HDFC Business MoneyBack Credit Card review from our side. Make sure to let us know your views on this card in the comment section below!