HDFC Business Money Back Credit Card
Reward Type
NA
Joining Fee
Annual Fee
NA
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Overview HDFC Business Money Back Credit Card
A HDFC Business Money Back Credit Card will provide you with additional credit for your business needs. The card can be used to pay utility bills for your business, pay petty cash charges, and even purchase raw materials for your company. This can also be used for personal use and proves beneficial to business owners.
How To Apply For HDFC Credit Card?
Quick Links To Handle Your HDFC Bank Credit Card
HDFC Business Money Back Credit Card Snapshot
Reward Type | Reward Points & Cashback |
Joining Fee / Renewal Fee | Rs.500 + taxes |
Revolving Credit Interest Rate | 3.49% per month / 41.88% annually |
Cash Advance Charges | 2.5% of the cash withdrawn or Rs.500, whichever is higher |
Over-limit Charges | 2.5% of the over-limit amount or Rs.500, whichever is higher |
Fuel Surcharge Waiver | 1% Fuel Surcharge waiver capped at a maximum of Rs.250 per month |
Annual Fee Waiver | Get full waiver on next year’s annual fee upon spending Rs.1 lakh in the current year |
Rewards Redemption Fee | Rs.99 per redemption request. No redemption fee on converting rewards to cashback |
Late Payment Charges
Statement Balance | Late Payment Charges |
Less than Rs.100 | Nil |
Rs.100 to Rs.500 | Rs.100/- |
Rs.501 to Rs.5,000 | Rs.500/- |
Rs.5,001 to Rs.10,000 | Rs.600/- |
Rs.10,001 to Rs.25,000 | Rs.800/- |
Rs.25,001 to Rs.50,000 | Rs.1100/- |
More than Rs.50,000 | Rs.1300/- |
Important Features Of HDFC Business Money Back Credit Card
Reward points - Earn more for your spends
- Earn 4 reward points for every Rs. 150 spent online
- Earn 2 reward points for every Rs. 150 spent on all other transactions
- Get 5x reward points for Fuel spends, up to a maximum of 1000 points in a month
- Get additional 2,500 Bonus Reward Points upon annual spends of Rs. 1,80,000 and more
- Redeem your reward points for cashback; 100 Reward Points equals Rs. 20
- Redeem your reward points for exciting gifts or air miles. Check out the updated rewards catalogue to find great gifts and merchandise.
Find the best Reward Credit Cards for you on CreditMantri!
Get cashbacks for bill payments
- 5% cashback upon paying utility bills, telecom, Govt. & Tax payments
- Cashback capped at a maximum of Rs.250 per statement on minimum monthly spends of Rs. 10,000
- Current account holders get double the cashback on all business spends like telecom, utility bills, Govt. & Tax payments (capped to a maximum of Rs. 500 per statement)
Are you looking for the Best Cashback Credit Card in India? Click here to find one now!
POS Rental Reversal
Get your POS rental fee reversed upon spending Rs. 30,000 on your credit card, and achieving a monthly volume of Rs. 25,000 on your HDFC POS Machine (capped at Rs. 1000 per month)
Fuel Surcharge Waiver
As a business owner, you will be owning or leasing a few vehicles for commuting, and they need fuel. Getting fuel surcharge waiver can be a big benefit for you. With HDFC Business Money Back Credit Card, you can get 1% Fuel Surcharge waiver, which is available for transactions of Rs. 400 and above. It is capped at a maximum of Rs. 250 per statement cycle.
Annual fee waiver
You can get a waiver on your next year annual fee/renewal fee if you have spent more than Rs. 50,000 within the first 12 months of card activation.
Read More: How to get Annual Fee Waiver on your Credit Cards?
Discounts on Dining Transactions
- Pay for your dining via Dineout Pay and save up to 20%
- Get flat 25% off at 2000+ premium restaurants, 1+1 offer on buffet at 200+ restaurants & early access to events and festivals such as Gourmetlicious, through Dineout Passport Membership that comes complimentary with your HDFC Business Money Back Credit Card.
Get EasyEMI Offer exclusively on your HDFC Business Money Back Credit Card
- Use EasyEMI for SMEs and still enjoy your full credit limit
- EasyEMI for SMEs can be used to buy interiors, furniture, electronics, ACs and more in bulk for your business.
- Get No Cost EMI offers on your EasyEMI scheme.
Additional Features That You Can Enjoy On Your HDFC Business Money Back Credit Card
- Contactless Payment – Enjoy contactless, secure payment for quick billing every time you shop using your HDFC Business Money Back Credit Card
- Use SmartPay, a smart utility bill payment service, exclusively available for HDFC card members and ensure that your bills are paid on time every month.
- Enjoy Zero Card Lost Liability in case of an unfortunate event where you lose your card. Ensure to report it to the HDFC Credit Card Customer Care within 24 hours of loss/theft.
- Enjoy up to 50 days of revolving credit facility
Who All Are Eligible To Apply For HDFC Business Money Back Credit Card?
You can apply for a HDFC Business Money Back Credit Card if you fulfil the following conditions-
- You are a Self-employed Indian Citizen
- Between the ages of 21 and 65
- Your annual IT returns amount is more than Rs.6 lakhs
What Is The Application Process To Get HDFC Business Money Back Credit Card?
You can apply for HDFC Business Money Back Credit Card on the HDFC Bank website
To apply through HDFC Bank website:
- From the HDFC Bank official website, follow this path:
Pay -> Credit Cards -> Business Credit Cards -> HDFC Business Money Back Credit Card
- Click on ‘Apply Online’
- You will be required to fill in your basic details like mobile number, name & email address
- Click on ‘Submit’.
- A representative from the bank will get in touch with you for the next steps.
Check Eligibility for HDFC Business Money Back Credit Card on our CreditMantri website!
HDFC Business Money Back Credit Card FAQs
1. How can I claim cashback on my HDFC Business Money Back Credit Card?
You can redeem your reward points for cashback. Login to your HDFC account and go to the ‘Rewards’ tab to check your cashbacks and to redeem your existing reward points for cashback.
2. Can I use the cashback to pay my HDFC Business Money Back Credit Card bill?
Yes, the cashback you receive will be credited under your card account and shall be adjusted against the next bill.
3. Can I redeem my HDFC Business Money Back Credit Card without a HDFC Netbanking login?
No, you cannot redeem the points without logging in to your Netbanking account.
4. Can I use my HDFC Business Money Back Credit Card for online purchases?
Yes, you can use your HDFC Business Money Back Credit Card for online purchases. You can even earn 4 reward points for every Rs.150 spent on online purchases.
5. What is the value of the reward points I earn on HDFC Business Money Back Credit Card?
Redeeming 100 reward points will get you Rs.20 cashback.
6. What is the reward redemption fee?
You need to pay a nominal fee of Rs.99+taxes to redeem the reward points against gifts and merchandise. There are no redemption fees when you redeem your reward points for cashback.
7. Do the reward points expire?
Yes, the reward points are valid only for a period of 2 years and then they expire.
8. Can I use my HDFC Business Money Back Credit Card for personal shopping too?
Yes, your HDFC Business Money Back Credit Card can be used for personal use too. But be sure to keep your personal and business expenses separate so that you don’t end up with a huge bill.