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HDFC Bank Business MoneyBack Credit Card

HDFC Bank Business MoneyBack Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
HDFC Bank Visa Mid

Annual Fee

₹500

Base Rate

1.0%

Reward Type

Points

Overview

The HDFC Bank Business MoneyBack Credit Card is a Mid credit card issued by HDFC Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹500
Eligibility: Self-employed, Age 21-65, ITR ≥ ₹6 lakh, CIBIL ≥ 750.

Reward Rates & Cashback Rules

  • ALL_ONLINE: 1.0% cashback ⚠️ Online spends earn the base rate of 2 points per ₹200 (1 point per ₹100).
  • CATEGORY – Utilities: 5.0% cashback | monthly cap ₹250.0 ⚠️ 5% as direct cashback, not points. Applies to telecom and electricity. Monthly cap of ₹250 is shared across all 5% cashback categories (Utilities, Govt, Travel, Dining). A minimum total monthly spend of ₹10,000 is required to be eligible for this cashback.
  • CATEGORY – Government Services: 5.0% cashback | monthly cap ₹250.0 ⚠️ 5% as direct cashback, not points. Applies to government and tax payments. Monthly cap of ₹250 is shared across all 5% cashback categories.
  • CATEGORY – Travel: 5.0% cashback | monthly cap ₹250.0 ⚠️ 5% as direct cashback, not points. Applies to railways and hotels. Monthly cap of ₹250 is shared across all 5% cashback categories.
  • CATEGORY – Dining: 5.0% cashback | monthly cap ₹250.0 ⚠️ 5% as direct cashback, not points. Monthly cap of ₹250 is shared across all 5% cashback categories.
  • CATEGORY – Grocery: 1.0% cashback | monthly cap ₹200.0 ⚠️ Reward points on grocery transactions are capped at 1,000 points per month (₹200 value).
  • CATEGORY – Insurance: 1.0% cashback (capped ₹400.0/txn) ⚠️ Reward points on insurance transactions are capped at 2,000 points per transaction (₹400 value).
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Wallet: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Milestone Benefit 🏆: Get 2,500 bonus Reward Points on spending ₹1.8 lakh in an anniversary year.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Dining Benefits 🍽️: Discounts available through the HDFC Bank Good Food Trail Dining Program and Swiggy Dineout.
  • Interest-Free Credit ⏳: Up to 50 days of interest-free credit period from the date of purchase.

Data sourced via AI-assisted research (April 2026). Always verify rates on the bank's official website before applying.

Eligibility Criteria

Self-employed, Age 21-65, ITR ≥ ₹6 lakh, CIBIL ≥ 750.

Features & Benefits

🏆

Milestone Benefit

Get 2,500 bonus Reward Points on spending ₹1.8 lakh in an anniversary year.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

🍽️

Dining Benefits

Discounts available through the HDFC Bank Good Food Trail Dining Program and Swiggy Dineout.

⏳

Interest-Free Credit

Up to 50 days of interest-free credit period from the date of purchase.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Online Spends
Reward: 1.0% Min Spend: ₹150.0
⚠️ Exceptions: Online spends earn the base rate of 2 points per ₹200 (1 point per ₹100).
1%
Utilities
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: 5% as direct cashback, not points. Applies to telecom and electricity. Monthly cap of ₹250 is shared across all 5% cashback categories (Utilities, Govt, Travel, Dining). A minimum total monthly spend of ₹10,000 is required to be eligible for this cashback.
5%
Government Services
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: 5% as direct cashback, not points. Applies to government and tax payments. Monthly cap of ₹250 is shared across all 5% cashback categories.
5%
Travel
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: 5% as direct cashback, not points. Applies to railways and hotels. Monthly cap of ₹250 is shared across all 5% cashback categories.
5%
Dining
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: 5% as direct cashback, not points. Monthly cap of ₹250 is shared across all 5% cashback categories.
5%
Grocery
Reward: 1.0% Monthly Cap: ₹200.0 Min Spend: ₹150.0
⚠️ Exceptions: Reward points on grocery transactions are capped at 1,000 points per month (₹200 value).
1%
Insurance
Reward: 1.0% Min Spend: ₹150.0 Max per TX: ₹400.0
⚠️ Exceptions: Reward points on insurance transactions are capped at 2,000 points per transaction (₹400 value).
1%
Fuel Exclusion
Wallet Exclusion
Rent Exclusion
Education Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for HDFC Bank Business MoneyBack Credit Card

Category HDFC Bank Business MoneyBack Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹500 ₹0 ₹0 ₹0
₹
Annual Fee 		₹500
Waived on spending ₹50,000 annually.
 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 5.0% 5.0% 2.67%
★
Known Rules 		12 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + All Spends — 1.0% Points
  • + Utilities — 5.0% Points (cap ₹250.0)
  • + Government Services — 5.0% Points (cap ₹250.0)
  • + Travel — 5.0% Points (cap ₹250.0)
  • + Dining — 5.0% Points (cap ₹250.0)
  • + Milestone Benefit
  • + Fuel Surcharge Waiver
  • + Dining Benefits
  • + Interest-Free Credit
✗

Cons

  • − No reward on Fuel
  • − No reward on Wallet
  • − No reward on Rent
  • − No reward on Education
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹500

Net Value

+₹2500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

1 Reward Point is worth ₹0.20 when redeemed against the statement balance. The value can be up to ₹0.25 for flight and hotel bookings via HDFC's SmartBuy portal.

Yes. You can earn a maximum of 15,000 reward points per statement cycle. Additionally, the 5% cashback on business essentials is capped at ₹250 per month, and grocery spends are capped at 1,000 points per month.

The annual renewal fee of ₹500 is waived if you spend ₹50,000 or more in the previous card anniversary year.

No, this credit card does not come with complimentary airport lounge access benefits.

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