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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

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