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
      "Better service for customer"
      0.5 4.0/5 "Great!"
      HDFC is good they not adding any over limit charges, I am using jet privilege card. I could redeem the reward points only for the flight ticket bookings. HDFC bill are clear, they updated everything on time an every month they gives gentle reminder and proper updates about the offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I haven't used HDFC bank diners club card much. The reward points cash back offers are available in this card but I haven't used it. I am happy with the credit limit. The rate of interest is nominal with this credit card. The service which I get on my credit card is really great. I was holding this card for the past 5 years.
      Was this review helpful? 1
      , madurai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back is really good to use, because it has so much of offers with it, like cash back offers, reward points and etc the reward points can be redeemed as cash. I am happy with the HDFC bank money back credit limit. The rate of interest is nominal with HDFC bank card. I am satisfied using HDFC bank card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Convenient for transaction"
      0.5 4.0/5 "Great!"
      Right now I am getting good reward point for my HDFC credit card transaction, I could redeem the points into cash. When I want to redeem the points, I could visit to the nearest branch to place a request. HDFC credit limit is also good very much satisfied.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      Which I am using HDFC money back its superb to use. Whenever I do the transaction around 150, I would be getting 3 points. For one 1000 points they providing 300 rupees, I could redeem into cash or pay the outstanding. HDFC customer service is good, they are always there to listen and ready to help me at any point of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      Having a HDFC bank Money back credit card for past 3 years. I get money back, reward points, cash back offers with this card. They are charging too much if we miss to do the payment on time and the late fee charges also high, when compared with others. The credit limit need to be increased with HDFC credit card. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Excellent services & credit limit"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and the bank has given me a good limit. I got a credit limit of one lakh. There are the other normal benefits of cash back offers and the reward points. There is a jumbo loan facility too. The statements are on time much before the billing date.
      Was this review helpful? 0
      , kota
      Reviewed on Jun 25, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card as well and the bank has been up to the mark. The offers on the card is perfect and the statements were very much clear. The customer services and response has been up to the mark always and I am happy with their credit limit too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 25, 2017
    • HDFC Bank Credit Card
      "Not Satisfied with the services"
      0.5 2.5/5 "Just OK"
      HDFC Bank sometimes tend to forget to send me reminders for the payments unlike other banks on my credit card. Since I was busy I missed the payment and when I called in to explain my genuine reason, the bank was not willing to understand and they have charged me for it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 25, 2017
    • HDFC Bank Credit Card
      "Superb Customer services, you killed competition."
      0.5 5.0/5 "Blown Away!"
      Dear HDFC Customer care team, you have also been superb at providing resolutions. HDFC bank is my fav bank to use a credit card, I told 6 other banks cards but none of other banks services are even close to HDFC. Keep up the good work team. Cheers
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Good one"
      0.5 4.0/5 "Great!"
      I have got the credit card with the HDFC bank and the credit limit value is good one. Customer service is also good one till now and I would like to say credit limit and the offers are really good but handling the card is so difficult.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      It is a life time free credit card with HDFC Bank and there are so many offers on my card. I also get the benefit of a jumbo loan which is given to me instantly. The customer services are excellent as they respond very quickly and there are no hassles overall.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Better when it comes to offers"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC bank credit card with the credit limit of 65000 Rupees, also their billing cycle is an odd one like it used to hit on the last day of the month. Customer service with the HDFC bank credit card is a good one. Offers are good one with them like they used to provide cash back and reward points too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "No Response"
      0.5 1.0/5 "Really Bad"
      I did not receive any kind of response from HDFC bank when I approached them for the credit card. Recently I applied for the credit card with HDFC bank. But my card application was not been processed by the bank and they just closed my application as I am a business man.
      Was this review helpful? 0
      , bhopal
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      HDFC bank has been good in the credit card services and the offers are satisfactory. They have a lot of options on the card and it is very convenient to use the card as well. The statements are clear and the customer support is good and easy to reach too.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Happy to Hold"
      0.5 5.0/5 "Blown Away!"
      HDFC bank has offered me a credit card too. I hold savings account with the same bank. The bank provided a life time free credit card which is very much comfortable to use. The credit limit provided by them is very much satisfactory and I do not have any issues with HDFC bank for the credit card. Customer service is overall good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Be conscious while charging"
      0.5 3.0/5 "Satisfactory"
      The credit limit fixed by HDFC bank is quite good. The annual charges for the credit card is around 500 rupees. But the drawback with HDFC bank is, even if I pay the emi before the due date or on due date, they are putting penalty charges every time, so I had to report this to their customer care every time then they would reverse those wrong enteries. This is totally unacceptable, this bank is responsibile and they have to be clear on customers payment history otherwise every time I cannot remind the bank that they have wrongly calculated those charges. Also with HDFC, there is no option to convert those points into cash. Moreover, HDFC employees are not fulfilling their commitments.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and there has been no issues. After I applied for it, I got the card within 10 days. There were no joining fees and the bank has given me a decent credit limit. The offers are also good online and they are also providing good rewards as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 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%
    Service Tax, Krishi Kalyan Cess and Swachh Bharat Cess 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.

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