An Overview of HDFC Business Moneyback Credit Card

Managing business expenses gets more rewarding when everyday payments work in your favour. With HDFC Business Moneyback Credit Card and SmartPay, even routine utility bills can help you save up to ₹2,100 annually. Add to that reward points that can be redeemed as statement credits, air miles or products, and your regular spending turns into real value.

If you are considering a credit card that combines cashback with rewards, you must check out HDFC Business Moneyback Credit Card.

HDFC Business Moneyback Credit Card Benefits

With the HDFC Business Moneyback Credit Card, you can earn 2X reward points on every ₹150 spent on online purchases and 2 reward points on retail spends. Here are the other benefits of the card:

• You can get a ₹2,000 voucher as a welcome benefit if you spend ₹50,000 within the first 3 months using the card.
• If you spend ₹1.8 lakh annually, you can get 2,500 reward points.
• On fuel transactions between ₹400 and ₹5,000, you can get a 1% fuel surcharge waiver.
• You can get 20% off on dining expenses using the Good Food Trail Program.
• If you add 2 or more bills on your Business Moneyback Credit Card, you can get e-vouchers worth ₹800 and cashback of up to ₹1,800 in the first year. This allows you to save up to ₹2,100 annually with SmartPay. 
• You can get a 5% cashback on electricity, telecom, tax, government, railway, dining, hotel and taxi spends.
• The card allows you to save up to 5% with reward points on purchases and travel bookings using the SmartBuy Business Platform.
• If you spend at least ₹30,000 on your HDFC Business Moneyback Credit Card every month and accept volumes on the HDFC MPOS machine of ₹10,000 and HDFC GPRS POS machine of ₹25,000, you can get the HDFC Bank POS machine rent waived off up to ₹1,000.
• You can get a Dineout Passport Membership of ₹1,499 for 3 months if you spend ₹30,000 in a calendar quarter. 
• The card offers 1+1 on buffet at over 200 restaurants.

HDFC Bank Business Moneyback Credit Card Fees

To get the HDFC Business Moneyback Credit Card, you need to pay a joining fee of ₹500. In addition, you need to pay the same renewal fee every year to enjoy continued benefits. Here are the other charges applicable to this card:

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Eligibility Criteria for HDFC Business Moneyback Credit Card

To apply for the HDFC Business Moneyback Credit Card, you need to be a self-employed resident of India. The age limit for this card is 21 to 65 years. Ensure you have an Income Tax Return (ITR) above ₹6 lakh per year. 

HDFC Business Moneyback Credit Card Redemption Value

Reward points are credited as CashPoints, which you can redeem against your statement balance. The value for 100 CashPoints is ₹20, which is redeemable once you accrue at least 2,500 reward points.

Here is what each reward point is equivalent to in each redemption category:

💡Once you receive your HDFC Business Moneyback Credit Card, you can add it to the Pice app to get credit card bill payment reminders. Avoid missing payment due dates, late fees and interest charges.

Conclusion

The HDFC Business Moneyback Credit Card is a rewarding choice for business owners seeking cashback, bonus rewards and SmartPay savings. With strong benefits on online spending, bill payments, dining and travel, it converts routine expenses into valuable returns, making it a practical and cost-effective business credit card option.

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