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HDFC Bank
HDFC Bank Business MoneyBack Credit Card
- Joining fee incl. GST
- ₹590
- Renewal fee incl. GST
- ₹590
- Conditional welcome value
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- —
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- The live page conflicts between 2X and 3X online earning. Accelerated cap interaction and annual bonus qualification need confirmation.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Online shopping Accelerated Reward Points on online spends. HDFC's own material is internally inconsistent: the product page states '2X Reward Points on every Rs.200 spent online' while the same page's title says 'Get 3X Reward Points'. Conservative ~0.5% effective shown assuming 1 Reward Point = Rs.0.25. Rate unverified pending a single unambiguous issuer statement. | 0.5% | Unverified |
Everything else 2 Reward Points per ₹200 of eligible ordinary purchases. Comparison value assumes ₹0.25 per point via eligible non-cash redemptions. Statement credit is ₹0.15 per point under the dated MITC. | 0.25% | Unverified |
Groceries Monthly point ceiling applies; this estimate uses ₹0.25 per point. | 0.25% | ₹1,00,000 spend / month |
Utilities & bills Monthly point ceiling applies; this estimate uses ₹0.25 per point. | 0.25% | ₹2,00,000 spend / month |
Insurance Monthly point ceiling applies; this estimate uses ₹0.25 per point. | 0.25% | ₹2,00,000 spend / month |
Excluded from ordinary earning: Fuel, Rent, Education. Specific qualifying offers, if any, are listed above.
Overall ceiling: ₹3,750 of reward value per statement at this valuation. Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹1,80,000 | 2,500 bonus Reward Points on annual spends of Rs.1,80,000 (per anniversary year) | ₹625 |
Key benefits
- Accelerated Reward Points on online spends (issuer states the multiplier inconsistently; 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
- HDFC's published redemption table for this card: ₹0.15 a point as cashback against the statement, up to ₹0.25 a point against SmartBuy flight and hotel bookings (for at most 50% of the booking value) and up to ₹0.25 in airmiles; the card page separately quotes "100 Points = up to ₹20" for statement redemption, which the same page's own table contradicts. A minimum of 2,500 Reward Points and a ₹99 redemption fee apply per request
- Designed for business and self-employed spends; cash withdrawal and instant loan facility available
- Reward Points earned on grocery transactions are capped at 1,000 per month
- Rent and education payments earn no Reward Points (from 1 January 2023); government transactions do still earn on this card
- At most 15,000 Reward Points can be earned in a statement cycle, and unredeemed points lapse after two years
What we like
- +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
What to watch
- −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 rate is stated inconsistently within HDFC's own product page (2X per Rs.200 in the body, 3X in the title)
Compare with similar cards
- Top reward
- 10%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹3,750 value
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HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
Best for online shopping
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Partner link — we may earn a commission. Disclosure
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Partner link — we may earn a commission. Disclosure
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Partner link — we may earn a commission. Disclosure
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Partner link — we may earn a commission. Disclosure
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Partner link — we may earn a commission. Disclosure
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