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  • HDFC Business MoneyBack Credit Card
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    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
      "Very nice experience"
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC Bank for the credit card and the offers are good. They also provide good customer service and there are no hassles in the banking process. The statements are clear and there are sent to me on time. The credit limit is also to my satisfaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "HDFC credit card"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC with a limit of 80000.Its just been 1 month since i started using the card. I am satisfied with the limit. I have done some purchases using the card. I got cash back from fuel. I have not checked for reward points.The net banking is fine and there is no annual charge.
      Was this review helpful? 0
      , surat
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      There are good offers at HDFC bank for the credit card and the experience is good. I have a good limit and there are good offers as well. There are a lot of cash back deals and rewards as well. The statements are clear and on time. It has been smooth till date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is overall good in the credit card services. The customer care is good and they are responsive as well. There are no charges taken for the card and the credit limit is good. The card is acceptable every where. There are rewards and cash back deals.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC with a limit of 18000. I am fine with the limit. I did some purchases using the card. i have received cash back and reward points with the card. There is no annual charge. I am comfortable with mobile banking with HDFC.
      Was this review helpful? 0
      , surat
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC Bank for the money back credit card. They have enhanced my credit limit from 50K to 1.50 Lakh. It has been a very good experience and I can also make my payments without any hassles through the mobile application. It is great to bank with them.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Satisfied with services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a good credit limit on the credit card. The limit is of 2.5 lakh and the offers are also good. There are no charges and the customer support is good and they are responsive as well. There are the cash back deals and the rewards too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Everything is overall good for me at HDFC Bank for the credit card. The customer services and response is good and the bank has also offered me a very good limit. There are cash back and reward points and also the EMI facility. It is a life time free card. Till date no hassles.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am having the HDFC bank credit card from the last eight months of time. I would like to say that the customer service is good one and the online banking services are very good one too. Mobile banking services are good one with the HDFC bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      They have offered me a good limit in the card. I got the Credit Card within 5 days. I have accumulated few reward points throughout. I can't convert the points to cash but certainly can adjust them into my Bill. Their Customer service interactions are pretty good. Rate of interest is a little high.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with HDFC bank for about 10 years . I hold money back International card and the credit limit was 1 lakhs which is satisfactory . I am happy with the customer service and responses .The fees and charges are also average .
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the HDFC bank credit card and am using it from the last ten year of time. Honestly, I am saying that everything is alright with the HDFC bank credit card.Online portal of the HDFC bank credit card is really easy to access.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Though I am a privileged customer of HDFC Bank, it took them three years to offer me a credit card. There are charges for the card and there are no satisfactory offers too. The process and services has not been up to the mark and I am not happy with the experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      They have given me a good limit in the card. I have a Regalia First Card. Till now I have been rewarded nominal reward points, as my usage is curtailed to only one month. One issue is that I applied for a Smart Pay option from my postpaid phone that was given but the same has not has not been affected so far. I had to pay the bill the manually. Also I would be needing to get more clarification regarding lounge part. I called their Customer care for the smart pay option but they didn't give the right information.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit limit is not okay with HDFC Bank. It is only of 39K and there are no offers as well. The customer services and response is also not up to the mark. It is not convenient to reach out to them and the queries are not sorted out too. In all an average experience.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Overall good "
      0.5 3.5/5 "Pretty good"
      I have got the HDFC Bank credit card after two years of applying for it. The offers and the credit limit is low. There are cash back offers and reward points as well. There could be more offers and a enhancement of credit limit. Overall it was a okay experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Need to have offers"
      0.5 3.5/5 "Pretty good"
      I bank with HDFC Bank for the diners credit card and I am not happy with that, I bank for it only because it is a life time free card. The credit limit is fine, but there are no offers on this card and it is not acceptable everywhere. It has not been useful to me for the transactions
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank provides my statements on time and the credit limit is also good. The billing cycle is also satisfactory and in all no hassles. The customer services are good as they are responsive. There are the cash back offers and reward points as well. Overall no issues.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good overall"
      0.5 3.0/5 "Satisfactory"
      I bank with HDFC Bank for the credit card and I just received the card. The process was good and I received the card on time. The credit limit is good and it is a life time free card. I only made few transactions on this card and it has been good. The document process was also on time and in all no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • HDFC Bank Credit Card
      "Good features"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is overall good in the credit card features. The credit limit is good and there are no issues while using the card. All my banking services are good and there has not been any inconvenience to bank with them. There are offers from time to time.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
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