एचडीएफसी बिजनेस मनीबैक क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Entry-level commercial card for small business owners and traders offering 4X rewards on online business spends and ₹50,000 spend waiver.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
500 Reward Points credited upon payment of joining fee and first business transaction within 30 days.
No complimentary airport lounge access is included on this starter commercial card.
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).
Gift voucher worth ₹500 on reaching ₹50,000 spend in each calendar quarter. Annual fee reversal on ₹50,000 spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Self-employed individuals, sole proprietors, and small business owners aged 21 to 65 with annual ITR exceeding ₹6,00,000.
न्यूनतम वार्षिक आय आवश्यकता
Audited business ITR > ₹6,00,000/year (Self-Employed / Traders)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Redemption value is modest at ₹0.20 per point. No airport lounge access. Accelerated points capped at 2,500 points per month.
🚀आवेदन के चरण (How to Apply)
Step 1: Check card eligibility on hdfcbank.com/business-cards or via HDFC NetBanking. Step 2: Enter Business PAN and registered mobile number for instant eligibility check. Step 3: Select HDFC Business MoneyBack Card. Step 4: Enter trade details, GSTIN, and annual turnover. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.