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

    • HDFC Bank Credit Card
      "Dissatisfactory"
      0.5 1.0/5 "Really Bad"
      If I pay the minimum due in other credit cards, they won't charge any rate of interest but in HDFC, they charge rate of interest and also they only call before the due of my credit card then once I done with the payment they never respond, it is not upto the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Good To approach"
      0.5 5.0/5 "Blown Away!"
      I have no idea whether my credit card is a life time free or a chargeable one. But then the card is good for the usage. Credit limit is ok and I did not check the reward points and other stuffs yet. The credit card services of HDFC bank is good and approachable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 3.5/5 "Pretty good"
      Got the HDFC bank Money back credit card a year ago. This card is used for shopping , online purchases, mobile bill and for other uses. The rewards points, cash back offers are very good with this Money back card. I am satisfied with the credit limit but the interest rate is high when compared with others,
      Was this review helpful? 0
      , medak
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Provide benefits"
      0.5 3.0/5 "Satisfactory"
      I am not very happy with the offers on my HDFC Bank credit card. The bank has not increased the credit limit, I am a customer for the last three years. There are no offers and I am not informed about the deals I am eligible off. I receive no messages from the bank too. The only good thing is this card is it is a life time free credit card.
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      , hyderabad
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I am very much fond of HDFC Bank credit card service as there is no need to visit the bank in person also the network is very good. No issues using this credit card of HDFC and I am holding this credit card for a period of 3 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Beneficial services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has also offered me a credit card and the banking services are good. I am happy with all the features I get on my card and the benefits are good as well. There are a lot of deals online and what ever transactions I do I get intimated and the charges are normal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Convenient to Use"
      0.5 4.5/5 "Excellent!"
      For more than a year I use HDFC credit card. So I am a customer of HDFC for past one year. The bank offered a life time free credit card with good credit limit. I have an option with HDFC bank to convert all the reward points into cash whenever required.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      HDFC is providing good service, I didn't face any issue with HDFC credit card its basically a corporate master credit card offered by company and we do not get offers in this and the limit they have offered is 70000 rupees and Iam holding this card for four years now and its basically a life time free credit card.
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      , bangalore
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Recently I have received the HDFC bank platinum card. They have disbursed the card within a week time. This card don't have any annual fee . I am satisfied with the credit limit, they have offered me Rs.25,000 as the limit. The rate of interest is nominal with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Need improvement in benefits"
      0.5 2.0/5 "Expected more"
      HDFC bank is where I hold a credit card with. I am not very happy with the bank as they have not increased my credit limit as promised. I got this card a year now and I was initially offered 75K, I was told that the limit would increase in a year to 1.15 Lakh. It has not happened yet. Most of all there is no EMI conversion which makes it difficult to use the card. There is no loan facility too. The card has the basic offers of cash back.
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      , mumbai
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Convenient for all transaction"
      0.5 4.5/5 "Excellent!"
      HDFC is best, because it gives lot of offers and EMI options. I used to receive more reward points in all transactions, but monthly interest was high, if I make partial payment they used charged high. HDFC gave me life time free credit card without any annual charges.
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      , bangalore
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am Having HDFC money back credit card and good thing is reward points i can redeem through cash back and I use this card often for online shopping, overall i am happy my credit limit its quite sufficient it 75000 rupees and Iam holding this card for four years now, their is no disadvantage i felt, overall i am satisfied with what i got
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      , alwar
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Satisfied with the services"
      0.5 4.0/5 "Great!"
      HDFC Bank is also good in the product of a credit card. The features are nice and the card also has a rewards as well. The customer services are also good as they provide proper support when ever needed. The limit is to my requirement and the transactions always gone through smoothly.
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      , gurgaon
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Moderate Service"
      0.5 3.0/5 "Satisfactory"
      To be frank, I am not happy with HDFC bank in terms of the credit card services. My card has only 32K as a credit limit which is very low. Actually it was 36K in the beginning and I do not know what went wrong but they reduced it to 32K. At least they should have informed about the reason for reducing it. Because my transactions are very good and clean. So for me, this is an average service.
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      , patna
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Norms are high"
      0.5 1.0/5 "Really Bad"
      HDFC bank norms are very high for the credit card service. They have so many criteria to pass. Moreover, the bank is always high in the rate of interest. They used to collect more documents for the card. The annual charges are high as well. So I decided not to take credit card from HDFC bank.
      Was this review helpful? 0
      , surat
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Easy and quick process"
      0.5 3.0/5 "Satisfactory"
      I got first credit card from HDFC, based on that I have taken another credit card from ICICI, the customer relation with HDFC is awesome. I would do go with HDFC in term all financial experience, even their credit limit is also good. I am happy with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Easy and quick process"
      0.5 3.0/5 "Satisfactory"
      I got first credit card from HDFC, based on that I have taken another credit card from ICICI, the customer relation with HDFC is awesome. I would do go with HDFC in term all financial experience, even their credit limit is also good. I am happy with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Beneficial services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they have also given me a decent credit limit. The customer support is excellent and the statements are also clear with all the transactions I do. The card is accessible at all outlets and it is smooth overall to use it.
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      , noida
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Credit card works really well"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card works really smooth, all the transaction happens on time. I am holding this HDFC bank credit card for more than 7 to 8 years. I dont have any issues wtih HDFC till date . I always make the payment on time therefore I did not face any difficulties. All the transactions goes through well. Rates are high especially when it comes to jumbo cash.
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      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I think there is no option to convert the reward points into cash. HDFC bank is good in all the aspects so it would be better for the customers if they have such facility to convert the points into cash. But the bank is not stingy in crediting reward points and other offers like cash back. Even the credit limit is more than required.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    Common Loader Icon

    HDFC Business MoneyBack Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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

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