HDFC Business Moneyback Credit Card Review – Benefits, Features

HDFC Business Moneyback Credit Card Review –As per its name, it mainly focuses on business owners. it is a Business & Personal usage-focused Credit Card By HDFC Bank. it offers both benefits of Cash Back & Reward points. it could be a super saving card for you. it is quite popular from this offers 5% Each Month Cash back on Business Essential purchases, such as telephone & internet bills, Government & Tax Payments, and electricity bills.

Furthermore, you will get all additional HDFC Bank Benefits. For instance, Contactless Payment, Zero Lost card liability, Revolving Credit, And HDFC SmartPay App Discounts.

through this Article, we are going to share with you HDFC Business Moneyback Credit Card Review. what are the benefits, offers, HDFC Business Moneyback Credit Card limit, features, and annual charges or additional fees?

The benefits And Review of HDFC Business Moneyback Credit Card

Table of Content

HDFC Business Moneyback Credit Card Highlight Factors

Card TypeEntry Level MoneyBack Card
Best SuitableBusiness, Personal, HDFC Current Account Holder
Card Benefits &
– Total 50 days interest-free Credit Period
–  5X Reward Points on Petrol & Fuel Purchasing
– Earn up to 2X Reward Points on Online Purchasing (Up to ₹150 for each purchase)
– 2 Reward Points on Other Shopping
Rewards Points4 Reward Points on Each ₹150 spent online & 2 Reward Points on other offline purchases
Milestone On Shopping up to 1.8 lakhs in the anniversary year, you can earn 2,500 Bonus Reward Points as a milestone
Renewal Offerif you use your card for purchases up to ₹50,000 in the previous year. as Renewal Offer, your Renewal fee will be waived off.

What Are The HDFC Business Moneyback Credit Card Offers And Benefits

image real owner is HDFC BANK

The business Moneyback Credit Card by HDFC is an awesome card for businessmen and self-employed. This card comes with the benefit of Up to 50 days interest-free credit period. moreover, on Online Shopping, you can earn upto 2X Reward Points on shopping for Per ₹150.

in simple words, you will get 4 reward points for Online E-Commerce purchasing. For Business Owner Benefits, it provides Pre-approved Quick loans and a Cash withdrawal facility. you will get upto 5% Monthly Cashback on Business related bill payments, such as telephone & internet bills, electricity bills, and Government & Tax Payments.

You will get all of these benefits and offers for just a renewal charge of ₹500. moreover, it has the additional benefit of waiving renewal fees. all you need to do is, you have to purchase upto ₹50,000 in the previous year to get the facility of no renewal fees on the card.

Discounts And Cashback

Reward Points & Cashback On CardExplanation
Consumption Bill PaymentBy using SmartPay HDFC App, you can earn assured cash back of upto ₹1800 in the first year. moreover, it has the benefit additional benefit of earn of e-vouchers worth upto ₹800. All you need to do is, Add 2 or more Utility bills to Smart Pay App.
Restaurant Dining BenefitsAs a Dineout Offers, you can save upto 20% on dining bills paid through DineoutPAY App.
Reward Points– You can earn 2X Rewards Points On Online Spending, Must your purchase up to ₹150 to earn.
– Receive 2 Reward Points on all other retail shopping offline and other
–  5X Reward Points on Fuel
Cash Back– 5% Per Month Cash back On Bill payments such as electricity bills, telephone & internet bills, Government & Tax Payments especially business related Spends.
– If you are HDFC Bank current account holder, Thereof, you are eligible to earn double cashback of 5% on business shopping.
– if you are an HDFC Bank Merchant Customer, you can save upto 1000 per month towards the rent of your HDFC Bank POS machine

Short List of Card Features

Additional FeaturesDescription (Details)
Milestone BenefitAs a Milestone bonus reward points offer, it offers 2,500 Reward Points on the anniversary year shopping up to ₹1.8 lakh.
Smart EMIEMI is one of the best Features of Credit cards, by the help of SMART EMI, You can convert any big purchases into Monthly EMI Within a Few Clicks.
Contactless PaymentThis card comes with a contactless payment feature, it allows as per RBI Regulations each transaction of up to ₹5000 by just looking at your contactless network symbol To the card Machine. you don’t need to Enter your Secret 4 Digit Number to done your purchase only for the contactless payment method.

Set Card Control
By Internet Banking, Mobile Banking, or Customer Care is another method you can use to enable or disable your transaction limits and Credit Card usage on Online Transactions / Contactless Transactions / International Transactions for customers.

How to Use Reward Points Redemption

You can redeem your Reward Points into cashback, and Airmiles, and Convert your points into Products and Online Vouchers. You have to log in to your savings account and tap on the cards option and select the Reward redemption feature. Now, a new window pop-up will open, and you can prefer your option and convert your earned reward points into air miles, Cash and Products. Below, we mention all the conversion values of your earn reward points –

  • 1RP = 0.25 air-mile (Airmiles conversion)
  • 1 RP = upto Rs 0.25 (Products and Vouchers)
  • 1 RP = Rs 0.20 (Redeem as cashback)

As per HDFC Official Bank Website, your earned Reward Points will be Expired in the last 2 years.

What Are Card Charges and Fees

List of ChargesOverview
Welcome BenefitsFor Select HDFC Users, Bank offers 1 Year Zero Annual Fees Benefits. and 5% Monthly Cashback on business-related bill payments
Annual Fees on The Card
– ₹500 Per Year And Additional GST Taxes
-On Anniversary Year Shopping up to ₹50000, The annual charges will be waived off
Joining Charges₹500 Per Year And Taxes
Finance Fees(Interest) 43.2% Annually, it will be around 3.6% each month
Late Payment Fee
It will be ₹100 to ₹1,300 will be charged as a late payment fee
Add-on cardsFree
Rewards redemptionBrowse Website
Reward Validity2-Year Expired Vadility

What Are the Eligibility Criteria For Business Moneyback Credit Card HDFC?

Must be An Indian citizen aged around 21 Years to 65 Years, and moreover, HDFC selected this card only for self-employed and business men.

Eligibility CriteriaOverview
Only ForSelf-employed & Business Owners
Your Age Must BeAround 21 to 65 years
Minimum Annual ITR₹ 6 Lakh

To Apply For HDFC Business Moneyback Credit Card Application, You must maintain the above Eligibility Criteria. moreover, you can get this card by providing one of these Income documents to the bank. – ITR, GST returns, Bank Statements, and Merchant payment report


What is Business Moneyback Credit Card?

HDFC Business Moneyback Card is a Reward Points + CashBack-based card. which offers multiple benefits and a Smart EMI Facility. it is quite beneficial for Business owners and HDFC Current Bank Account holders. it offers 5% double cash back on Business necessary shopping.

What Is the Business Moneyback card Customer Care Number?

Customer care is available on the official HDFC Bank India Website. here are numbers that you can use to contact 1800 202 6161 And another helpline number that you can call 1860 267 6161

More Credit Card Review Below –

1Flipkart Axis Bank Credit Card Review By Pricemint India
2Axis Bank ACE Credit Card Review By Pricemint India
3Amazon Pay ICICI Credit Card Review By Pricemint India
4AXIS Bank My Zone Credit Card Review By Pricemint India

In Conclusion

Overall, this is one of the best cards for Business & Personal expenses, it offers a good number of cash back and Rewards points. moreover, it provides quite good 5X Reward Points for refueling your vehicle at all Indian fuel stations. we hope you find all details through this business moneyback credit card review. if you have any other queries, comment down below, And Do Share the review blog on social media by using below Social media icons.

Show full profile


Naman Parmar professionally known as Nanne Parmar is an Indian Internet entrepreneur, financial expert, referencing expert, and investor. He’s the man who started NE Factory And PriceMint. He has more than four years of experience in the financial technology industry.

We will be happy to hear your thoughts

Leave a reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Ads Blocker Image Powered by Code Help Pro

Ads Blocker Detected!!!

We have detected that you are using extensions to block ads. Please support us by disabling these ads blocker.

close button