HDFC BankHDFC Bank Business MoneyBack Credit Card
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HDFC Bank
HDFC Bank Business MoneyBack Credit Card
3.0 / 5visa · mastercard
- Joining fee
- ₹500
- Annual fee
- ₹500
- Base reward
- 0.25%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Online shopping | 0.5% | Uncapped |
| Everything else | 0.25% | Uncapped |
Benefits
- ▸Accelerated Reward Points on online spends (exact rate varies by source; see notes)
- ▸2,500 bonus Reward Points on Rs.1,80,000 annual spend milestone
- ▸1% fuel surcharge waiver on transactions between Rs.400 and Rs.5,000 (capped at Rs.250 per statement cycle)
- ▸Up to 20% off on dining via Swiggy Dineout
- ▸Reward Points redeemable against statement balance (100 RP = Rs.20) or against products/SmartBuy (up to Rs.0.25 per point); Rs.99 + GST reward redemption fee applies
- ▸Designed for business and self-employed spends; cash withdrawal and instant loan facility available
The good
- + Low Rs.500 joining/renewal fee, fully waivable on Rs.50,000 annual spend
- + Accelerated Reward Points on online business spends
- + 2,500 bonus Reward Points (~Rs.625) on Rs.1,80,000 annual spend milestone
- + 1% fuel surcharge waiver on most fuel transactions
- + Up to 20% dining savings via Swiggy Dineout
The catch
- − No lounge access (domestic or international)
- − Low base earn rate (~0.25% on non-accelerated spends)
- − Rs.99 + GST reward redemption fee on every redemption request
- − Reward earn structure is reported inconsistently across HDFC's own page and third-party sites