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What is a Business MoneyBack Credit Card?

HDFC Business MoneyBack credit card is one of the best low annual fee business credit cards which offers amazing cashbacks and reward points. This super saver card from HDFC bank offers a lot to its users with the main benefits being accelerated reward points and cashback on all personal and business spends. 


What’s more? You can earn 5% cashback on key business expenses related to dining, hotel & railway ticket booking, cab booking, utility bill payment, and tax-related expenses. Apart from this, you will also get a fuel surcharge waiver and other cashback offers on online and offline spends. With a plethora of business-centric benefits, the Business MoneyBack credit card is a real delight for every business person.

Features & Benefits of HDFC Business MoneyBack Credit Card

  • Get Rewarded for Every Spend

Earn 4 reward points for every ₹150 spent online and 2 rewards points for every ₹150 spent on all other expenses, except fuel. 

  • CashBack Benefit

Earn 5% cashback on key business spends related to dining, hotel & railway ticket booking, cab booking, utility bill payment, and tax-related spends.

  • Dining Benefit

Avail up to 20% with an additional 5% off for payments via Dineout Pay linked to Business Moneyback credit card. Also, get Exclusive complimentary Dineout Passport Membership. This offers - flat 25% off at 2000+ premium restaurants, 1+1 on the buffet at 200+ restaurants, and early access to events and festivals such as Gourmetlicious.

  • Fuel Surcharge Waiver

Avail 1% fuel surcharge waiver for fuel transactions performed at any fuel stations across India. The waiver is valid on card transactions over ₹400 and the maximum surcharge waiver is capped at ₹250 per statement cycle.

  • Zero Liability on Lost Card 

In case of loss and theft of the card, report immediately to 24x7 HDFC credit card customer care and you'll have zero liability on any fraudulent transactions made on your card.

HDFC Business MoneyBack Credit Card Eligibility & Documentation

To apply for this HDFC business credit card, you need to fulfil the following eligibility criteria and present the following supporting documents:

Eligibility Criteria



Self-employed individuals

Annual ITR

₹6 Lakhs


21-65 years


Document Category

Accepted Documents

Identity Proof 

Aadhaar Card, PAN Card, driver’s licence, voter’s ID, passport, or any other government-issued identity card.  

Address Proof

Aadhaar Card, driver’s licence, voter’s ID, passport, utility bills.

Income Proof

ITR, GST returns, bank statements, or merchant payment reports.

How to Apply for an HDFC Business MoneyBack Credit Card

You can apply for the HDFC Business Credit Card both offline and online. To apply offline, you have to visit your nearest HDFC Bank branch and ask for the HDFC Business Moneyback Credit Card application form. You will then need to submit the duly filled and signed form with the required documents at the branch.


Alternatively, you can avoid the hassles of offline banking by applying for the card online using the following steps: 

  • Go to the HDFC Bank website. 

  • Click on the ‘Pay’ option and navigate to the ‘Credit Cards’ section.

  • Find the HDFC Bank Business MoneyBack Credit Card and click on the ‘Apply Online’ option. 

  • Fill-up the application form with the required details.

  • Click ‘Submit’.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on HDFC Business MoneyBack Credit Card

Can HDFC Business MoneyBack credit cards be used for online payments?

Yes, HDFC Business MoneyBack credit cards can be used for both online and offline transactions.

What is the benefit of HDFC business moneyback cards?

Every spend on your HDFC MoneyBack card brings rewards. You can enjoy 2 reward points/ ₹150 spent on the card, with accelerated 2x rewards on online spends. Additionally, you can enjoy 5% cashback across categories like hotel, railway, and cab bookings, dining and utility bill payments. 


Under Dineout Passport Membership, you also get a flat 25% discounts at over 2,000 premium restaurants and early-bird access benefits at premium dining events. Other HDFC Bank Business MoneyBack credit card benefits include a 1% fuel surcharge exemption and a comprehensive zero liability cover. 

How can I make credit card bill payments for the HDFC Business MoneyBack credit card?

You can make your HDFC Business MoneyBack credit card bill payments either by cash, cheque, via NetBanking, or make the payment at any nearest HDFC bank ATM.

Can I use my HDFC Business MoneyBack credit card from any place in the world?

Yes, the HDFC Business MoneyBack Credit Card is a globally accepted credit card that lets you transact from any corner of the world. All you need to do is, activate the card for International use and purpose and set a limit of it.

How can I redeem reward points earned on my Business MoneyBack credit card?

You can redeem your HDFC Bank Business MoneyBack Credit Card points as cash back against your statement. 100 reward points make you eligible for a cashback reward of ₹20, however, you will need a minimum of 2,500 reward points to use this redemption route. 


Alternatively, you can exchange these points for air miles or gifts listed on the rewards catalogue. To do so, you’ll have to go through the Bank’s Netbanking platform. However, you should note that all rewards are valid for 2 years and the bank levies a standard charge of ₹99 on all redemption requests.

What are the fees and charges for HDFC business moneyback credit cards?

To enjoy HDFC Business MoneyBack Credit Card’s benefits, you will have to pay an initial joining fee of ₹500+GST. There’s also an annual fee on the card that can be reversed if your spending exceeds the ₹50,000 mark in the preceding year. The card comes with 3.6% monthly interest charges and late payment fees of up to ₹1,300 (depending on the outstanding amount). 


Apart from these fees and charges, HDFC also levies cash advance fees, overlimit penalties, and balance transfer processing fees on this MoneyBack credit card.

What is the credit limit of the HDFC Business MoneyBack credit card?

The credit limit of your HDFC business credit card will depend on your credit history and repayment capabilities. In other words, your CIBIL score and ITR will determine the credit limit of your HDFC Business MoneyBack Credit Card. 

What is the annual fee on a business MoneyBack credit card?

The HDFC Business MoneyBack Credit Card comes with an annual fee of ₹500. However, this fee is waived off if spends exceed ₹50,000 in the previous year.

How can I make the HDFC business MoneyBack Card lifetime free?

You can make your HDFC Business MoneyBack Credit Card lifetime free by paying the joining fee and meeting the milestone requirements. In other words, if you meet the ₹50,000 annual spending limit every year, you won’t have to pay the renewal fees for the next year. 

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