HDFC Bank Business Moneyback Credit Card
The perfect companion for your small business spends
Annual Fee
₹500
Base Rewards
0.3%
Forex Fee
3.5%
Expert Verdict
The HDFC Business Moneyback is a solid entry-level business card that focuses on providing value through utility cashback and online rewards. While the reward rate is modest, the low fee and easy waiver make it a low-risk choice for new business owners.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹1,200
Includes ₹100 bonus
Year 2+
+₹1,100
Fee waiver eligible!
Why get this card
Accelerated 4 Reward Points for every ₹150 spent on online transactions
5% monthly cashback on business essentials like telecom, utility, and tax payments
Low annual fee of ₹500 with an easy waiver threshold of ₹50,000 annual spend
Watch out for
Low reward redemption value where 1 Reward Point equals only ₹0.20
No complimentary domestic or international airport lounge access
High interest rate of 3.6% per month if the full balance is not paid
Who is this card for?
Best for
small business owner
Ideal for small business owners who have significant monthly spends on utilities, taxes, and online business supplies.
Min: ₹10,000/mo
Skip if you're
frequent traveler
Not suitable for those seeking travel perks like lounge access, air miles, or low forex markup fees.
Base Earning
2 Reward Points
per ₹150 spent
0.3%
effective rate
Point value: ₹0.20/point
Bonus Categories
SHOPPING
2×
0.53% return
SmartBuy - TRAVEL
10×
2.67% return
1000 pts/month
Welcome Offer
500 CashPoints awarded upon realization of the joining fee.
500
points
₹100
value
Milestones
Spend ₹1.8L
Earn 2,500 bonus reward points on reaching annual spends of ₹1.8 Lakhs.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions