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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 for travelling"
      0.5 4.0/5 "Great!"
      I took HDFC Platinum card through online. For my credit card there is no charges because it for the business. I am not sure about the interest , I used to pay on time, there are lots of offers even if I try to travel in flight there is privilege offers and discount on ticket.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The best feature is that they are providing the jumbo loan, instant loan from this credit card. I am using it from past 5 years the credit card with the HDFC BANK. The credit limit is satisfactory also added on that they are offering with the good offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time, they have charged me annual fee in this card, and i have no idea is there waived off option available in this card and i am happy with my credit limit they have given me in this card and they have given good offers in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The service is very good with the HDFC BANK so that i have taken the personal loan with this bank. The loan amount is satisfactory with this loan and also the rate of interest is 12% which is nominal and satisfactory also the duration is for 4 years to pay the loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been applied for HDFC credit card recently through on line, the best part i like in this card is that they have given me good credit limit in this card and there offers part is good, they have given me good offers in maximum products, but one issue is this bank is that i can not convert my Emi option , apart from that there service is good, they have charged me annual fee in this card but from second year 1000 for first year it is free.
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC credit card recently, they have charged me annual fee in this card they have charged me up to 1000 , they have given me waived off option or not i have no idea, and i am happy with my credit limit it is sufficient for me, but one thing was disappointment with me is that i can not convert Emi option , apart from that there service is goof and they give good offers in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC credit card recently, they have not charged me annual fee in this card , and i am happy with my credit limit which they have given me in this card and they provide good offers in shopping and they give low interest rate compare to other bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been holding HSBC credit card for a while, there service is very good, and i am happy with my credit limit they have given me in this card and there is no annual fee they have given me in this card and they have not given much offers in this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I have applied for HDFC credit card recently, the best part in this card is that there service is too good, and even they give good offer in dining and they have charged me annual fee in this card but there is waived off option available in this card, and i am happy with my credit limit they have given me in this card.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Reward point value should be improved"
      0.5 4.0/5 "Great!"
      HDFC is a life time free card, they never charge. I use it only for petrol and diesel, but its not turbo card. They need to improve to redeem the points, value is not upto the mark. Only one time I got the cash back upto 50% on total bill amount of 2000, they asked me to pay Rs.1000 on billing.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , the card is free and there is no joining fee. This is also a Lifetime free card. I am holding this credit card for past 2month . Their reward points system is also good. Overall I am really happy about the card and the application process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , I am happy with the credit limit of this card. I never had any issues with the card and its features. This is just like any other card and i am holding this card for past 6month . I receive my credit card within 2 days .
      Was this review helpful? 0
      , jodhpur
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Very Useful card"
      0.5 3.0/5 "Satisfactory"
      I have been using the HDFC credit card for more than 3 years. I have received the credit limit of RS. 90000 which is okay for me. I spoke with the call centre for general enquiry of credit limit enhancement, they have asked me to submit the documents and the response was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      My credit card was taken with HDFC BANK , i am not happy with the services here the payment option si not good whenever i tried to do payment i ma getting error . I cannot connect to customer service also . I was expecting fuel credit card but they provide me HDFC dinners club .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , i am holding this card for past 2month . I have generate the PIN but because of my mistake it generate wrong PIN . The card is chargeable but they gave waive off option too . The service was good i receive my card on time .
      Was this review helpful? 0
      , thane
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC BANK , i am holding this card for past 4month . The fees and charges are too high with this card . I use the card for shopping, grocery and for so many general purpose . Benefits were good reward point and cash back offers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , i have not interacted customer service but in past i have good experience with them . The card is chargeable at the time of getting the card and they offered good credit limit . They provide free airport lounge excess and good reward points .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I bank with HDFC Bank for the credit card. The credit limit is fine and the main purpose of me having my card is for the groceries. The only drawback is there is no EMI option on the card. I have requested for the same and it is still has not been done.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had been using this card for a while and i am satisfied with the services which they had been providing so far. The credit limit with the card has been good and there has been some other good benefits whcih has been with the card as well. There has been some annual charges with this card as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 07, 2018
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