Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HDFC Business MoneyBack Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    HDFC Business MoneyBack Credit Card

    The Business MoneyBack Credit Card is an ideal choice for businessmen as it is three times more rewarding for its users. It is a business class variant of the popular MoneyBack Credit Card by HDFC. However, only self-employed businessmen and professionals are eligible for this card.

    Features and Benefits of HDFC Business MoneyBack Credit Card:

    Some of the main features and benefits of the card are:

    MoneyBack Rewards:

    You can earn up to 2 Reward Points for every Rs.150 spent on your HDFC Business MoneyBack Credit Card. The accumulated reward points can then be redeemed for air miles as well as attractive gifts that can be chosen from an exclusive rewards catalogue.

    Reward points on this card can also be redeemed for CashBack against the outstanding amount on your credit card, where 100 Reward Points are equivalent to Rs.30.

    Accelerated Reward Points:

    You can earn up to 3X times Reward Points on your business related expenses using the HDFC Business MoneyBack Credit Card. With every Rs.150 spent on flight bookings, hotel reservations, restaurants, and online purchases using the card, you can get 6 Reward Points.

    Validity of Reward Points:

    Accumulated reward points can be redeemed within two years from the date of accumulation.

    Waiver on fuel surcharge:

    Every fuel transaction made within the range of Rs.400 to Rs.5,000 entitles you to a waiver of up to Rs.500 per statement.

    Lounge access:

    Cardholders of the HDFC Business MoneyBack Credit Card can also enjoy exclusive access to airport lounges at airports all over India.

    Revolving credit:

    The card comes with a revolving credit at affordable interest rates.

    Interest-free credit:

    Cardholders can enjoy up to 50 days of interest-free credit period from the purchase date.

    Waiver of Annual Charges:

    If you spend Rs.10,000 within the first 90 days of issue of card, you can avail a waiver on membership for the first year. If your expenses are above Rs.50,000, you can get a waiver on next year’s annual membership fee.

    No liability on lost card:

    In case, your card is misplaced, you must inform HDFC Bank’s 24/7 call centre. Following the complaint, you will have zero liability on any fraudulent transactions made using your credit card.

    Security:

    The HDFC Business MoneyBack Credit Card is a Chip enabled card and can be used at any Chip enabled POS or swiped at any regular POS (non-chip POS).

    Eligibility for HDFC Business MoneyBack Credit Card:

    Only self-employed businessmen or professionals in the age range of 21 to 65 years are eligible to avail the card.

    Fees and Charges:

    Details Charges
    Annual Fee Rs.500
    Minimum Repayment Amount 5% or Rs.200
    Interest-Free Period Max. 50 days
    Cash Advance Limit 40% of the credit limit
    Add-on card Free for Lifetime (Up to 3)
    Charges on Revolving Credit 3.40% (monthly)/40.8% (annual)
    Cash Advance Charges 2.5% of withdrawn amount/Rs.300, whichever is higher
    Overlimit Account Charges 2.5% of overlimit amount, subject to minimum of Rs.500
    Cash Processing Fee Rs.100 (HDFC Banks or ATMs)
    Rewards Redemption Fee Rs.75 per redemption request
    Balance Transfer Processing Charges 2% of Balance Transfer amount/Rs.250, whichever is higher
    Reissue of Misplaced Card Rs.100
    Outstation Cheque Processing Charge Up to Rs.5,000 – Rs.35 Above Rs.5,000 – Rs.50
    Charges for Foreign Currency Transactions Cross currency mark-up of 3.5%
    GST Applicable on all charges

    Late Payment Fee:

    Statement Balance Charges
    Below Rs.100 Nil
    Rs.100 up to Rs.500 Rs.100
    Rs.501 up to Rs.5,000 Rs.400
    Rs.5,001 up to Rs.10,000 Rs.500
    Above Rs.10,000 Rs.700

    FAQs:

    1. How is the HDFC Business MoneyBack Chip card used at a POS terminal by the merchant?

      The merchant simply taps the card in the POS terminal instead of swiping it. The amount to be charged on the card, is then entered and the card is held until a slip is printed. You are then required to sign the charge-slip.

    2. Can I use my HDFC Business MoneyBack Credit Card for online transactions?

      Yes, however as it is a chip card, it must be registered for ‘Verified by Visa/MasterCard SecureCode’. This registration ensures the virtual transaction is secure and the card is safe to be used online.

    3. How do I make payments for my Business MoneyBack card from HDFC?

      You can either pay by cash, cheque, or make the payment at the ATM or via NetBanking.

    4. Can I use the HDFC Business MoneyBack Credit Card anywhere in the world?

      Yes, it can be used anywhere in the world wherever Visa/MasterCard is accepted.

    5. What do I do in case of misplaced card?

      In case of stolen or lost card, you can call the 24/7 customer care number to report the loss.

    *GST rate of 18% applicable for all financial services effective July 1, 2017

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back credit card is easy to use and I use this card for all kind of purchases and for shopping purposes. The customer support is good with HDFC credit card departments. The credit limit is given based on the salary, so I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      I have my credit with HDFC bank and I am using it for about 2 years . The credit limit was 3 lakhs. They have offered platinum International card. I get many cash back offers and rewards point but I have not used it. The charges are high in case of late payment and the interest rate is also high comparing to ICICI bank. The customer service and responses is very good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they are excellent in the banking services. They always provide me with the authentic information and they are fast and very much professional. The card offers are also good and there are no issues at all.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC bank 10 years back. I hold their platinum card and I get reward points for it . The credit limit was 1 lakh and I am satisfied with It. The customer service and responses was amazing. Here the charges are average and interest rate was also not so high. My overall experience was good so Its recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      HDFC is giving good offers with life time free credit card option, they are giving good discounts on shopping. But credit card bills are very difficult to understand, they are not updating the credit card transaction, apart from that everything is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      HDFC Bank is also good in the credit card and there has been no issues till date with the bank. The customer support team is very helpful and responsive as well. The limit is also good and the bank always informs me about the offers and deals I am eligible off.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 10 months, The credit card services are excellent in HDFC bank when compared to all other credit cards. I get good offers like cash back and reward points. I use this card for shopping and filling petrol, i am also satisfied with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Unprofessional"
      0.5 5.0/5 "Blown Away!"
      I am unhappy with the way HDFC Bank treated me. I am holding this HDFC Bank credit card for a period of 2 years . Some time back, I tried to talking with the card services, I was on call for 30 minutes where I was referring to a charge, suddenly their representative interrupted me and told that it cannot be done. I felt it was too unprofessional and unethical.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good credit limit"
      0.5 5.0/5 "Blown Away!"
      I have had a credit limit of more than Rs. 1 Lakh with HDFC Credit Card, which helped me throughout the past few years with my financial needs. I have had a very experience with the Bank in regards to this card. Also there is no hidden charges that is been applied.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have taken credit card loan around 1 lakh with the interest rate around of 8% for the tenure of 12 months, their was no charges applicable. I am using Dinus club card, I am getting reward points but looking good cash back and exciting offers..
      Was this review helpful? 0
      , nasik
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am a long time customer of HDFC Bank. The services and response is good always. They have the best of offers and the charges are normal. The credit limit is really good and they keep upgrading the same on a regular basis. Satisfactory overall on the credit card product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card and they have been providing the best of services. I get my statements on time. It would be better if it more in detail. Likewise at least once a month I receive a call giving me updates on the offers and also to check if I am facing a difficulty. It would be more appreciative if the call is made once in 15 days or at least send a message about particular offers and their validity period. For example today I have an offer if I purchase for 2K there is no tax, I never knew about this offer until I checked about it on my own. They could at least send a SMS updating on the same. It is a life time free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Very quick process"
      0.5 5.0/5 "Blown Away!"
      I use Platinum credit card of HDFC. I just started the service before 2months, I didn't use the card till now. The credit limit was satisfactory, offered 70K. It is a lifetime free credit card. They only charge 1% as rate of interest which is very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      HDFC Bank delivered a credit card to me saying that it would be a life time free card. But the card that came through was chargeable. So I returned the card back asking me to give what they have promised. It is another instance of unsatisfactory services from this bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Best banking "
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC for past 1.2 years I get the best service as compared to other banks in the market.credit card is more useful for my transaction in case of emergency they had recently upgraded my credit card to one lakh easy to carry and safe to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good offers"
      0.5 4.0/5 "Great!"
      I had a Money Back Credit card with HDFC Bank. and felt the usage of it to be very useful. I also felt the offers available in this card to be very good. Also felt the credit limit of Rs.108000 to be very good. I have this Credit Card for the past 3 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Satifactory credit card"
      0.5 5.0/5 "Blown Away!"
      I am having Super Premium Regalia from HDFC its very excellent, because they are providing lower interest for the credit card loans and the amount getting disbursed within 10 seconds with good reward points. They gave me the credit limit around 3 lakhs its excellent.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "satisfactory"
      0.5 4.0/5 "Great!"
      My credit card is with HDFC bank which was taken 3 years back. The credit limit was 1.5 lakhs and I am satisfied with it. They have offered platinum card and I get many god cash back offers. Here the customer service and responses was very slow. Its taking much time to connect with them but I am satisfied with the net banking. My overall experience was satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card and the bank has always been perfect in the offers and services. The bank is responsive too and there are no hassles. I get proper deals and the credit limit is good. The charges are normal and the limit is good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The credit card services has been really good from HDFC Bank, they have provided me with a limit that is up to my expectations. The offers are good as well. They have given me a jumbo loan facility and also the cash back offers. The charges are normal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 17, 2017
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