Card Type

Reward Point + CashBack


  • Up to 50 days interest free credit period 
  • Earn Reward Points for every Rs 150 spent:
    -- 4 Reward Points on online spends.
    -- 2 Reward Points on all other expenses (Except fuel)
  • Get 5X Reward Points on Fuel (Maximum 1000 points in a month)
    (Effective 1st October 2023, 5X RP on fuel transaction will be discontinued)
    ​​​​​​​Terms and Conditions
  • 5% Cashback on Telecom, Utility, Govt & Tax Payments.
  • (Maximum cashback of Rs.250 per statement on minimum monthly spends of Rs.10,000.) 
    ​​​​​​Terms and Condition
  • Redeem Reward points for CashBack. 100 Reward Points = Rs 20

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.
  • Zero Lost card liability : In the infortunate event if you lose your HDFC Bank CSC Small Business MoneyBack credit card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions made with your card.
  • Revolving Credit : Enjoy Revolving Credit at nominal interest rate, refer Fees and Charges section. 

Exclusive SmartBuy Business portal for all Business cardholders. Click here to know more.

Fuel Surcharge Waiver

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

Dining Benefit

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

Annual Spend Based Benefit

  • Earn 1000 Bonus Reward Points on annual spends of Rs. 90,000 
  • Click here for Important Terms and Conditions of Annual spends benefit program

Renewal Offer

Spend Rs. 25,000 in 12 Months and get Renewal Fee waived for next renewal year.

Contactless Payment

  • The HDFC Bank CSC Small Business Moneyback Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  • You can use your Card to make quick transactions at merchant locations accepting contactless Cards.

Reward Point/CashBack Redemption & Validity

  • Accumulated Reward Points can be redeemed for CashBack (100 Reward Points = Rs. 20) (min. redemption amount should be Rs. 2500)
  • Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate. 
    ​​​​​​​Click here for further details.
  • Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.

    With effect from 1st January 2023:

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

Exclusive EASYEMI Offers for Business Credit Cards

No need to block your capital when EasyEMI for SMEs is here!

Buy interiors, furnitures, electronics, ACs and more in bulk with No Cost EMI offer.