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  • HDFC Business MoneyBack Credit Card

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    The HDFC Business MoneyBack Credit Card offers a range of business-centric benefits from cashback on business transactions to accelerated reward points at partner stores. With the cashback feature, self-employed professionals can repay the card dues by simply exchanging the reward points accrued on the card.

    With spend-based rewards and annual fee waiver feature, the card is a true delight to every business person. Continue reading to know the features and benefits offered by the card in detail.

    Features And Benefits Of HDFC Business Moneyback Credit Card:

    Some of the main features and benefits of HDFC Business MoneyBack credit card are:

    Cashback on business transactions:

    As the name suggests, the MoneyBack credit card provides a cashback of 5% on key business spends related to hotels, dining, cab service, telecom payments, electricity payments, railways, government and tax related spends.

    Maximum cashback per month is capped at Rs.250 on a minimum monthly spend of Rs.10,000.

    MoneyBack Reward Points:

    You can earn up to 2 reward points for every Rs.150 spent on your HDFC Business MoneyBack Credit Card except for fuel purchases, cash withdrawals, eWallet loading, etc.

    Accelerated Reward Points:

    • With every Rs.150 spent on flight bookings, hotel reservations, travel bookings, restaurants, and online purchases using the card, you can get 4 reward points.
    • Get up to 20 reward points on spends at participating merchant stores. Maximum reward points are capped at 2,500 per statement cycle.

    Reward points redemption:

    • The accrued reward points on Business MoneyBack Credit Card can be redeemed for cash back against the outstanding amount on your credit card.
    • Every 100 reward points will give you Rs.20. Minimum number of points required for cashback redemption is 2,500.
    • Reward points can also be redeemed for air miles as well as attractive gifts that can be chosen from an exclusive rewards catalogue.
    • Accumulated reward points should be redeemed within two years from the date of accumulation.
    • A reward redemption fee of Rs.99 will be applicable for every redemption request.

    Annual fee waiver:

    Spend Rs.50,000 or above in a membership year and avail membership fee waiver on the next year's annual fee.

    Spend-based benefits

    • On annual spends of Rs.1.8 lakh, you will earn 2,500 reward points each anniversary year.
    • By conducting minimum 4 transactions each of Rs.100 and above on your MoneyBack Credit Card in a calendar month, you will be eligible:
      • For a complimentary accident insurance cover.
      • For a purchase protection cover against fire and burglary for items worth above Rs.5,000 purchased using the credit card.

    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.250 per statement.

    Balance Transfer:

    Transfer outstanding balance on your existing credit card to MoneyBack Credit Card and enjoy low interest rate offered by HDFC. Balance transfer is applicable to a minimum transfer amount of Rs.2,500 and maximum of Rs.1 lakh.

    Avail a loan on credit card:

    You can also apply for loans against your HDFC Business MoneyBack Credit Card.

    Easy EMIs:

    Convert purchases made at partner outlets into easy monthly instalments (EMIs) instantly. No documentation required. A one-time processing fee will be charged at the prevailing rate.

    Interest-free credit:

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

    No liability on lost card:

    In case, your Business MoneyBack card is misplaced, you must inform HDFC Bank's 24/7 call centre immediately. 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).

    Fees And Charges Applicable On The Card:

    Type of credit card fee/charge Amount

    Annual Fee

    Rs.1,000

    Minimum Amount Due

    5% or Rs.200

    Interest-Free Period

    Max. 50 days

    Cash Withdrawal Limit

    40% of the credit limit

    Add-on card fee

    NIL

    Interest Charges

    3.49% per month or 41.88% per annum

    Cash Withdrawal Charges

    2.5% of withdrawn amount or Rs.500, whichever is higher

    Over Limit Charges

    2.5% of over limit amount, subject to minimum of Rs.500

    Cash Processing Fee

    Rs.100

    Rewards Redemption Fee

    Rs.99 per request

    Late Payment Fee

    • Less than Rs.100 – None
    • Rs.100 to Rs.500 – Rs.100
    • Rs.501 to Rs.5,000 – Rs.500
    • Rs.5,001 to Rs.10,000 – Rs.600
    • Rs.10,001 and 25,000 – Rs.800
    • For more than Rs.25,000 – Rs.950

    Card Re-issuance Fee

    Rs.100

    Outstation Cheque Processing Fee

    Up to Rs.50

    Eligibility to apply for Business MoneyBack Credit Card:

    • Applicant must be self-employed businessman or professional
    • Should be in the age group of 21 to 65 years
    • Should have filed minimum income tax returns of Rs.2.5 lakh in a year.

    Documents required to apply for Business MoneyBack Credit Card:

    • KYC documents such as PAN card, address proof, and ID proof
    • Income tax returns with computation sheet
    • One photograph

    How To Apply For HDFC Business Moneyback Credit Card Online?

    You can apply for HDFC Business MoneyBack Credit Card online through two methods –

    • Apply on HDFC official website
    • Apply on BankBazaar.com

    To apply through HDFC website

    • Visit Business MoneyBack Credit Card at www.hdfcbank.com/personal/credit_card/business-moneyback
    • Click on the 'Apply Online' button
    • Fill the 'Credit Card Application Form' with the required details
    • Click on 'Submit'

    Once the application is successfully submitted, you will receive a call from HDFC representative, who would guide your through the further application process.

    Apply through BankBazaar

    If you are looking for a paperless approval process, you can apply through our BankBazaar website. Besides providing you with all the information required to know the credit card, we will also allow you to apply for Business MoneyBack Credit Card through our site.

    You can check your eligibility for the Business MoneyBack Credit Card, apply for the card, and upload all the required documents online and get approval in a few minutes. Follow the steps to apply for the card through our site.

    • As you're already on the HDFC Business MoneyBack Credit Card page, click on the 'Check Eligibility' button.
    • You will be prompted with a list of questions - answer all to know your eligibility.
    • Once you're eligible for the card, you will be redirected to the online application page, where you need to fill all the required fields before clicking on 'Submit'.
    • You will then be asked to upload the documents - do the same and click on 'Submit'

    On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the 'Track Application' feature.

    FAQ's Related To Business Moneyback Credit Card:

    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. However, a foreign currency mark-up fee of up to 3.5% of the transaction amount will be charged for each such transaction.

    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.

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    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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