Business MoneyBack Credit Card - Get 3 X Reward Points (2024)

Table of Contents
FEATURES ELIGIBILITY FAQs

FEATURES

Card Type

Card Type

Reward Point + CashBack

Key Features

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 )

(Effective1stOctober 2023, 5X RP on fuel transaction will be discontinued)

Benefits for your Business

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 freeTax paymentvia Credit Card.
    (Maximum cashback of Rs.250 per statement on minimum monthly spends of Rs.10,000. Applicable only in 1st year)

    Refer
    ​​​​​​​

  • 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 withEasy EMI options on your Business Credit Cards.

Benefit for GST and Vendor Payment

Benefit for GST and Vendor Payment

Make GST and Vendor Payments viaSmartHub Vyaparandswifti.inusing 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 CreditCard.
    (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 onSmartHub Vyaparandswifti.in

Steps to pay GST payment viaswifti.in.Click here

Simply pay GST & Vendor payment through one single app viaSmartHub Vyapar.Click here

Additional Features

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

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

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 herefor more details
Refer T&C

Milestone Benefit

Milestone Benefit

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

Renewal Offer

Renewal Offer

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

Smart EMI

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/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

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

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

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

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

Benefit for your Business

Additonalcashback benefitoffers discontinued for Current &Merchant account holders*.Know more.

ELIGIBILITY

Greetings, enthusiasts of business credit cards! As someone deeply immersed in the realm of financial instruments, particularly credit cards, I bring forth a wealth of firsthand expertise to guide you through the intricacies of the HDFC Bank Business Moneyback Credit Card. Now, let's delve into the features, benefits, and additional perks associated with this business-friendly credit card.

1. Card Type and Key Features:

  • This credit card provides a dual benefit of Reward Points and CashBack.
  • Earn 2X Reward Points (4 Reward Points) on every Rs. 150 spent online, and 2 Reward Points on other retail spends.
  • Avail up to 50 days of free credit period by making vendor/supplier bill payments and GST payments using the card.
  • Bonus 2,500 Reward Points on spending Rs. 1.8 lakhs in an anniversary year.
  • Redeem reward points as cashback against the statement.
  • 5X Reward Points on fuel transactions in the first year (discontinued from October 1, 2023).

2. Benefits for Your Business:

  • Up to 50 days interest-free credit period.
  • 5% monthly cashback on business essential spends (electricity bills, telephone & internet bills, government & tax payments).
  • HDFC Bank Merchants can use the SmartHub app for convenient and instant payments.
  • Pre-approved instant loans and cash withdrawal facility on the Business Credit Card.
  • Convert big spends into EMI after purchase for interiors, furniture, electronics, etc.

3. Benefit for GST and Vendor Payment:

  • Exclusive benefits for making GST and Vendor Payments via SmartHub Vyapar and swifti.in.
  • Up to 50 days interest-free credit period.
  • 5% cashback on paying GST payment using the Business Credit Card (applicable only in the 1st year).

4. Additional Features:

  • Utility Bill Payments: Register your Credit Card with SmartPay for assured cashback and e-vouchers.
  • Zero Lost Card Liability: Report loss immediately for zero liability on fraudulent transactions.
  • Revolving Credit: Enjoy revolving credit on the card at a nominal interest rate.

5. Fuel Surcharge Waiver:

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5000.

6. Dining Benefits:

  • Enjoy dining benefits with the Good Food Trail program for savings on restaurant bill payments via Swiggy Dineout.

7. Milestone Benefit and Renewal Offer:

  • Earn Bonus 2,500 Reward Points when spending Rs. 1.8 lakhs in the anniversary year.
  • Renewal fee waived off if spending Rs. 50,000 and more in the previous year.

8. Smart EMI:

  • Convert big spends into EMI after purchase.

9. Reward Point/CashBack Redemption & Validity:

  • Redeem Reward Points for cashback against the statement or exciting gifts and air miles.
  • Maximum 15,000 Reward Points can be earned in a statement cycle.
  • Various redemption options with associated conversion rates.
  • Redemption fee of Rs. 99 per request.

10. Contactless Payment:

  • The card is enabled for contactless payments, offering fast, convenient, and secure transactions.

11. Set Card Control and PIN Setting Process:

  • Temporarily disable certain card transactions for security.
  • Set PIN for the card through IVR or Netbanking.

12. Manage Your Card on the Go:

  • Access the HDFC Bank Business Credit Card 24/7 through the MyCards platform.
  • Enable online and contactless usage, view transactions, reward points, statements, and more.

13. Eligibility:

  • Unfortunately, the provided information does not include details about the eligibility criteria for this credit card.

In conclusion, the HDFC Bank Business Moneyback Credit Card appears to be a comprehensive financial tool tailored for businesses, offering a multitude of benefits and features to enhance financial management and efficiency.

Business MoneyBack Credit Card - Get 3 X Reward Points (2024)

FAQs

What is 3x reward points? ›

Total number of points that the customer will earn would be equal to the reward points earned during the normal course (x) + Bonus Points which equal Double the reward points earned during the normal course (2x) = 3x.

What is the value of HDFC business moneyback credit card reward points? ›

3. Additionally earn 4 Reward Points for online purchases and 2 Reward Points for all other purchases (except fuel) for every ₹150. You can Redeem RP against the outstanding amount as Cashback. You get ₹20 CB for 100 RP.

Do any credit cards offer 3% cash back? ›

The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores (excluding superstores like Walmart® and Target®) and on entertainment. With its 3% cash back rate in those categories, it's a win for socialites that don't want to pay for an annual fee.

Do business credit cards have points? ›

Put your operating costs on a business credit card with a high rewards rate, and you could quickly rack up enough points or miles to finance a vacation for a deserving employee.

What is 10X rewards in credit card? ›

HDFC 10X rewards is an accelerated rewards program that gets you 10X times more rewards than usual that you would get otherwise. The program has set of partners only through which you can get 10X rewards… HDFC Credit Cards.

What is 10X reward points? ›

10x more rewards points typically means this: if the store offers 10 points for a purchase you bought, then earning 10 times more means you will have 10 more points in on that purchase.

What is 10X CashPoints with HDFC Bank MoneyBack? ›

1) What are the key features of MoneyBack+ Credit Card? • Earn 10X CashPoints i.e., 20 CashPoints per ₹150 spent on -- Amazon, BigBasket, Flipkart, Reliance Smart Superstore & Swiggy. • Earn 5X CashPoints i.e., 10 CashPoints per ₹150 spent on EMI spends at Merchant. locations.

Is business MoneyBack credit card good? ›

HDFC Business MoneyBack Credit Card is a thoughfully designed credit card. It offers benefits on some practical business expenses like electricity bills, tax payment, etc. Fuel is also a considerable expense for businesses and the card rewards its users with extra points on fuel.

Is HDFC MoneyBack card worth it? ›

This is an excellent choice if you frequently shop online because it offers larger benefits on online purchases. If you are new to credit and want to get started, you can apply for this credit card.

What credit card gives 3% on all purchases? ›

Compare credit cards that earn (at least) 3% cash back
Card namenameAnnual fee
Citi Custom Cash® CardCiti Custom Cash® Card$0
Chase Freedom Flex℠Chase Freedom Flex℠$0
Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card$0
Chase Freedom Unlimited®Chase Freedom Unlimited®$0
1 more row

Is there a downside to cash back credit cards? ›

There are a few drawbacks to a cash-back rewards card, including a higher-than-usual APR, having to wait to access your cash-back funds, and a cap on how much you can earn each year.

How does 3% cashback work? ›

The way 3% cash back works is simple: You make purchases on your card, and then rewards equaling 3% of those purchases appear in your account, which can sometimes take one to two billing periods. For example, if you spend $1,000 on purchases eligible for 3% cash back, you get $30 in rewards.

What are business credit card rewards? ›

Many business credit cards offer rewards programs tailored to business spending, such as cash back, points, or miles on business purchases. These rewards can be redeemed for travel, office supplies, or other business-related expenses, providing additional value to cardholders.

How many points is a standard business card? ›

Standard business cards stand at 14pt, which measures out to the typical thickness of a flyer or brochure. A 16pt card is also popular, equating a thickness similar to a greeting card or manilla folder. The higher the 'pt', the thicker the card.

Is a business credit card a tax write off? ›

Key Takeaways. Credit card fees are not deductible for individuals and are deductible for businesses. Businesses can deduct all credit card fees as well as finance charges. Businesses are eligible to deduct credit or debit card processing fees associated with paying taxes, but individuals are not.

What does 2X reward points mean? ›

2X Reward points mean, the Reward points earned under the normal course. (mentioned against the transaction in the statement) plus the same value of Reward points (which will be credited later as Bonus Rewards on the fulfillment date).

What is 3X points on dining Chase Sapphire? ›

3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target®, Walmart® and wholesale clubs).

What is the meaning of 5X reward points? ›

The 5X reward points will be calculated on the existing card features – If the eligible customer uses credit card which gives 1 reward point per INR 150 spent, then the customer will receive 5 reward points per INR 150 spent during the offer period.

What is 4X reward points? ›

Under this Offer, 4X Reward Points mean, the Reward Points earned under normal course (mentioned against the transaction in the statement) plus 3 times the bonus Reward Points (which will be credited later as Bonus Rewards on the fulfilment date).

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