Card Type

Reward Point + CashBack

Key Features

  • Earn 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (T&C apply)
  • Earn 2 Reward Points on all other retail spends (excluding wallet, emi and petrol) for every Rs. 150 spent
  • Make all Vendor/supplier bill payments and GST payments using HDFC Bank Business Moneyback Credit Card and get upto 50 days of free credit period
  • Bonus 2,500 Reward Points on Rs. 1.8 lakhs spends  in an anniversary year. 
  • Redeem your reward points as cashback against statement (T&C apply)
  • Get 5X Reward Points on Fuel (Maximum 1000 points in a month) in the first year (Refer T&C)

(Effective 1st October 2023, 5X RP on fuel transaction will be discontinued)

Benefits for your Business

  • Up to 50 days interest free credit period
  • 5% Montly Cashback on Business Essential Spends like  (electricity bills, telephone & internet bills, Government & Tax Payments)
    Hassel free Tax payment via Credit Card. Benefits & Steps
    (Maximum cashback of Rs.250 per statement on minimum monthly spends of Rs.10,000. Applicable only in 1st year)

    Refer T&C
  • HDFC Bank Merchants can now use the SmartHub app to make their vendor and distributor payments through a single app
         * Convenient and instant payments
         * Upto 50 days credit period for payments made via Business Credit Card
         * Easy reconciliation of payment & invoices
         * Make GST payments
  • Get Pre-approved instant loans and Cash withdrawal facility on your Business Credit Card
  • Convert all your big spends into EMI after purchase
  • Buy interiors, furnitures, electronics, ACs and more in bulk for your business  with Easy EMI options on your Business Credit Cards.

Benefit for GST and Vendor Payment

Make GST and Vendor Payments via SmartHub Vyapar and swifti.in using HDFC Bank Business Credit Card and avail the exclusive benefits: 

  • Up to 50 days Interest Free Credit Period 
  • 5% cashback on paying GST payment using Business Credit Card. 
    (Applicable only in the 1st year from Card issuance) 
  • Up to 4 Reward Points on every Rs.150 spent for business payment, redeem reward points to pay credit card bill. 
  • Convenient and Instant Payments.
  • Easy tracking of payment and invoices at one place.

To know more, Click on SmartHub Vyapar and swifti.in 

Steps to pay GST payment via swifti.inClick here  

Simply pay GST & Vendor payment through one single app via SmartHub VyaparClick here

Additional Features

  • Utility Bill Payments : Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily. Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay.For more details click here:-
  • Zero Lost card liability : In the infortunate event if you lose your HDFC Bank Business Moneyback credit card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
  • Revolving Credit : Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India
(on minimum trasaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹250 per statement cycle)

Dining Benefits

Enjoy amazing dining benefits with Good Food Trail program

Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20,000+ restaurants),

Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.
Click here for more details
Refer T&C

Milestone Benefit

Earn Bonus 2,500 Bonus Reward Points when you spend Rs. 1.8 lakhs in the anniversary year.
*T&C Apply

Renewal Offer

Renewal fee waived off if you spend Rs.50,000 and more in the previous year​​​​​​​​​​​​​​

Smart EMI

HDFC Bank Business Moneyback Credit Card comes with an option to convert your big spends into EMI after purchase. To know more Click Here

Reward Point/CashBack Redemption & Validity

Reward Point Redemption:

  • Reward Points accumulated on HDFC Bank Business MoneyBack Credit Card can be redeemed for cashback against statement (100 Reward Points = Rs. 20). For redemption against statement balance, Cardholder must have minimum 2500 Reward Points
  • Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate.
  • The maximum 15,000 Reward Points can be earned in a statement cycle for your Business Moneyback Credit Card.

                     > Airmiles conversion through netbanking at a value of 1RP = 0.25 airmile

                     > Products and Vouchers via Product calatologue on Netbanking 1 RP = upto Rs 0.25

                     > Redeem as cashback against statement at a value of 1 RP = Rs 0.20

                     Click Here to know more

  • Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.
  • Reward Points earned on your HDFC Bank MoneyBack Credit Card are valid only for 2 years from the date of accumulation.

    For T&C, click here

​​​​​​​With effect from 1st January 2023:

  1. Rent payment and Education related transactions will not earn reward points.
  2. Reward points earned on Grocery transactions will be capped to 1,000 per month.
  3. Redemption of Travel Reward Points will be capped at 50,000 points per month.

Contactless Payment

The HDFC Bank Business Moneyback Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

To see if your Card is contactless, look for the contactless network symbol  on your Card.
(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Set Card Control

As per RBI guidelines to encourage secure International transactions, it is mandatory to temporarily disable Credit Card usage on Online Transactions / Contactless Transactions / International Transactions for customers, who have been inactive for the service prior to 31st July, 2020 or have been issued a new card (fresh issue/re A issue/replacement/upgrade) post 5th February, 2021

You can continue to use your Card at ATMs & for purchases at merchant outlets near you.
This is simply a precautionary measure to ensure a safe banking experience for you. You can enable the services using MyCards / EVA / WhatsApp Banking / NetBanking.
Click Here for more details 

PIN Setting Process

Set PIN for your card by following any of the below option:

By using IVR: Call 1860 266 0333 from registered mobile number

  • Key in last 4 digits of your Business Credit Card No
  • Validate with OTP sent on registered mobile no
  • Set 4 digit Pin of your choice

By using Netbanking:

  • Login to Netbanking
  • Click on "Cards" and visit "Request" Section
  • Chose Instant Pin generation
  • Select card number and enter your 4 digit Pin

For more details click here

Manage your Card on the go

Now access your HDFC Bank Business Credit card 24/7 on the go with our HDFC Bank MyCards platform

  • Enable online & contactlesss usage
  • View -  Transaction, Reward Points, Statements & more.
  • Manage - online usage, contactless usage, set limits, enable & disable
  • Check - Credit card outstanding, due date and more

For more details, click here

Benefit for your Business

Additonal cashback benefit offers discontinued for Current & Merchant account holders*. Know more.