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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).
🏛️HDFC Bank Ltd.Network: Visa / Mastercard / RuPayBusiness & Corporate CardsLast Verified: 2026-09-28

HDFC Business MoneyBack Credit Card

एचडीएफसी बिजनेस मनीबैक क्रेडिट कार्ड

Entry-level commercial card for small business owners and traders offering 4X rewards on online business spends and ₹50,000 spend waiver.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)
Reward Rate4X Reward Points on online business spending, digital marketing, utility bills, and commercial purchases. 2 Reward Points per ₹150 on other retail business spends.
Airport LoungeNo complimentary airport lounge access is included on this starter commercial card.
Forex Markup3.50% + GST on foreign currency transactions.
01

What Is This Card

HDFC Business MoneyBack is an entry-level commercial credit card tailored for micro-enterprises, small traders, retailers, and self-employed professionals. It provides 4X accelerated points on online business purchases, GST invoice accounting, and an easy ₹50,000 spend waiver.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

500 Reward Points credited upon payment of joining fee and first business transaction within 30 days.

⚡Reward Points Structure

4X Reward Points on online business spending, digital marketing, utility bills, and commercial purchases. 2 Reward Points per ₹150 on other retail business spends.

Redemption Value: 1 Reward Point = ₹0.20 against cash statement credit, or up to ₹0.25 on flight/hotel bookings via SmartBuy.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this starter commercial card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Gift voucher worth ₹500 on reaching ₹50,000 spend in each calendar quarter. Annual fee reversal on ₹50,000 spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

Redemption value is modest at ₹0.20 per point. No airport lounge access. Accelerated points capped at 2,500 points per month.

Forex Markup Fee3.50% + GST on foreign currency transactions.
Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.
Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.
Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).
Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, and rent payments.
04

Eligibility Criteria

Self-employed individuals, sole proprietors, and small business owners aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 65 Years
Minimum IncomeAudited business ITR > ₹6,00,000/year (Self-Employed / Traders)
CIBIL Score NoteA credit score of 720+ is standard.
SBI RelationshipNot mandatory. HDFC Current Account holders receive instant pre-approved issuance.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Check card eligibility on hdfcbank.com/business-cards or via HDFC NetBanking.
2Enter Business PAN and registered mobile number for instant eligibility check.
3Select HDFC Business MoneyBack Card.
4Enter trade details, GSTIN, and annual turnover.
5Complete online Video KYC session with bank official.
6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch by submitting PAN, Aadhaar, business registration proof (GST/Udyam), and latest ITR computation.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card of Business Entity and Individual Applicant
2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID
3. Business Proof: GST Certificate, Udyam Registration, or Shop & Establishment License
4. Financial Proof: Latest ITR computation sheet and 6 months' current account bank statements.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Business MoneyBack Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Business MoneyBack Credit Card into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Business MoneyBack Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.20 against cash statement credit, or up to ₹0.25 on flight/hotel bookings via SmartBuy. Please note: Reward points expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on HDFC Business MoneyBack Credit Card and how does it work?
The interest-free period on HDFC Business MoneyBack Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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