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Annual Fee
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Reward Type
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Joining Fee
A HDFC Business Money Back Credit Card will provide you with additional credit for your business needs. The card can be used to pay utility bills for your business, pay petty cash charges, and even purchase raw materials for your company. This can also be used for personal use and proves beneficial to business owners.
Reward Type | Reward Points & Cashback |
Joining Fee / Renewal Fee | Rs.500 + taxes |
Revolving Credit Interest Rate | 3.49% per month / 41.88% annually |
Cash Advance Charges | 2.5% of the cash withdrawn or Rs.500, whichever is higher |
Over-limit Charges | 2.5% of the over-limit amount or Rs.500, whichever is higher |
Fuel Surcharge Waiver | 1% Fuel Surcharge waiver capped at a maximum of Rs.250 per month |
Annual Fee Waiver | Get full waiver on next year’s annual fee upon spending Rs.1 lakh in the current year |
Rewards Redemption Fee | Rs.99 per redemption request. No redemption fee on converting rewards to cashback |
Late Payment Charges
Statement Balance | Late Payment Charges |
Less than Rs.100 | Nil |
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 to Rs.25,000 | Rs.800/- |
Rs.25,001 to Rs.50,000 | Rs.1100/- |
More than Rs.50,000 | Rs.1300/- |
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POS Rental Reversal
Get your POS rental fee reversed upon spending Rs. 30,000 on your credit card, and achieving a monthly volume of Rs. 25,000 on your HDFC POS Machine (capped at Rs. 1000 per month)
Fuel Surcharge Waiver
As a business owner, you will be owning or leasing a few vehicles for commuting, and they need fuel. Getting fuel surcharge waiver can be a big benefit for you. With HDFC Business Money Back Credit Card, you can get 1% Fuel Surcharge waiver, which is available for transactions of Rs. 400 and above. It is capped at a maximum of Rs. 250 per statement cycle.
Annual fee waiver
You can get a waiver on your next year annual fee/renewal fee if you have spent more than Rs. 50,000 within the first 12 months of card activation.
Read More: How to get Annual Fee Waiver on your Credit Cards?
Discounts on Dining Transactions
Get EasyEMI Offer exclusively on your HDFC Business Money Back Credit Card
You can apply for a HDFC Business Money Back Credit Card if you fulfil the following conditions-
You can apply for HDFC Business Money Back Credit Card on the HDFC Bank website
To apply through HDFC Bank website:
Pay -> Credit Cards -> Business Credit Cards -> HDFC Business Money Back Credit Card
Check Eligibility for HDFC Business Money Back Credit Card on our CreditMantri website!
1. How can I claim cashback on my HDFC Business Money Back Credit Card?
You can redeem your reward points for cashback. Login to your HDFC account and go to the ‘Rewards’ tab to check your cashbacks and to redeem your existing reward points for cashback.
2. Can I use the cashback to pay my HDFC Business Money Back Credit Card bill?
Yes, the cashback you receive will be credited under your card account and shall be adjusted against the next bill.
3. Can I redeem my HDFC Business Money Back Credit Card without a HDFC Netbanking login?
No, you cannot redeem the points without logging in to your Netbanking account.
4. Can I use my HDFC Business Money Back Credit Card for online purchases?
Yes, you can use your HDFC Business Money Back Credit Card for online purchases. You can even earn 4 reward points for every Rs.150 spent on online purchases.
5. What is the value of the reward points I earn on HDFC Business Money Back Credit Card?
Redeeming 100 reward points will get you Rs.20 cashback.
6. What is the reward redemption fee?
You need to pay a nominal fee of Rs.99+taxes to redeem the reward points against gifts and merchandise. There are no redemption fees when you redeem your reward points for cashback.
7. Do the reward points expire?
Yes, the reward points are valid only for a period of 2 years and then they expire.
8. Can I use my HDFC Business Money Back Credit Card for personal shopping too?
Yes, your HDFC Business Money Back Credit Card can be used for personal use too. But be sure to keep your personal and business expenses separate so that you don’t end up with a huge bill.
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