HDFC Business Money Back Credit Card Review

By | September 5, 2018

HDFC Business Money Back Credit Card – 3X Reward points on all business spends

Last Updated: Sep 2018

Hdfc Business Moneyback Credit Card is the business class variant of the most popular money back credit card offered by HDFC Bank. That being said, only self employed professional/businessmen is eligible to own this card.

HDFC is concentrating very well in increasing the portfolio of cards for business users in recent times. That’s a great move by the Credit card segment leader. Almost all the features on Business Moneyback card is similar to that of the retail card with little changes.

Business MoneyBack Credit Card Benefits

Accelerated 10X Rewards: The major benefit comes in the Accelerated 10X Rewards category.

Airport lounge access: You now get airport lounge access at domestic airports. Avail 8 complimentary lounge access per calendar year through MasterCard Lounge Program (not avail with visa variant)

Apart from these, all credit cards issued by HDFC in business segment can hold the name of your company under your name on the front side of your card.

Other Features

  • CardExpert Rating: 2.5/5 [yasr_overall_rating]
  • Reward rate: Upto 0.26% – 0.52% Cashback (As Reward points to Cashback redemption)
  • Complementary Airport lounge access: 8/yr via Mastercard Lounge Access
  • Fuel Surcharge Waiver: Fuel surcharge waived off on fuel transactions of Rs. 400 to Rs. 5000, maximum waiver of Rs.250 per statement cycle.
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Renewal Fee Waiver: First year fee reversed if you spend Rs. 10,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 50,000 in a year
  • Special Features: No limits on earning reward points.

Credit Limit and Offers

This card is a very basic one, above the previously reviewed HDFC Business Platinum Credit Card (discontinued) based on reward pointing system. You can get lots of offers online, just head over to smart buy section of HDFC bank website and goto credit card offers to see a huge list of offers.

No other bank has such extensive offers across a lot of ecommerce websites. Additionally, business credit cards issued by HDFC usually comes with a higher credit limit eligibility as we typically spend quite a lot. You can also get your limit increased if you’ve very good turn over on your IT Returns.


If you’re getting started with credit card with low spends, its okay to hold the HDFC Business Moneyback credit card but if you’re really looking to save money with points, you need to go for the HDFC Business Regalia Credit Card which is probably the best business credit card out there now (late 2018).

Do you use this card? Share your comments below 🙂

68 thoughts on “HDFC Business Money Back Credit Card Review

  1. sanjoy

    Business MoneyBack credit card hdfc

    Can i get all such benefit by air ticketing from my card.
    plz tell me the cash withdrawal limit of Business MoneyBack credit card hdfc

    1. Siddharth Post author

      Most cards has 40% of Credit limit as Cash Limit.
      You’ll get 3x reward points on business related spends like hotel/air travel etc.

        1. Tissy Joseph

          Hi, I just got this new Moneyback Card from HDFC. I would like to thank them first for issuing me this card. The limit I am given is 75000/-. Cash limit is 30,000/-. Thank you HDFC!

  2. Deepu Prajapati

    hi i am using hdfc money back cc .can i use credit card cash and if any charge ori nterest pls explian it
    thank you

    1. Siddharth Post author

      Withdrawing cash on credit card is the worst thing to do with a credit card as it comes with huge interest. Never do it.

      1. ram krishna

        I have citi cash back card and hdfc money back card. Which one is better?

        1. Siddharth Post author

          Moneyback card is best for Online usage. For offline, both can be treated similar.

    2. Vishal Tiwari

      Please do not use it for withdrawing cash
      you will be charged alot on daily basis
      You can do one thing
      link your CC card to Any payment wallet like paytm
      then add money
      using CC option
      then you can transfer the amount in your bank account.
      you will be charged only 2% by paytm
      which is much less then the actual bank charges.

  3. Pawan

    I Have recently got my HDFC money back credit card.I have been offered with life time free card.So i have some dooubt can u please help me out.Thanx in advance.

    1.As per the HDFC person who helped me in getting the card confirmed that i have to pay only for what i puchase except that interset if due date is passed.IS it true that i wont be charged with any other e.g. renewal or annual fees?

    2.If i have to use card once in 2 year for example will i have to pay or will i get charge as annual fees or other.

    1. Siddharth Post author

      Unless or until the policies changes, you wont be charged for lifetime whatsoever. But its good to use the card atleast once in 5-6 months to keep the card active. Bank may freeze the card if its inactive for long.

  4. Salman

    I got this credit card about 7 Months back which is my first ever card. Recently got an update on the Net Banking portal about a lifetime free credit card offer and it said i was eligible for Regalia Card. But after the application i got a call from hdfc bank saying as per their policy they don’t issue a second card to the same person. My requirements right now is lower currency markup fee, so is it possible to know when i might be eligible for an upgrade. I am quite happy with my current limit. The customer care executive suggested that i cancel this card and apply for a new one, i don’t wish to do that. If you think i wont be eligible for one anytime soon i might consider the customer care’s advice or go for a new card from a different bank.


    1. Siddharth Post author

      My suggestion would be,
      upgrade to Allmiles and wait for 3-4 months and then ask for Regalia upgrade.
      Simply mail the HDFC support for this.

      1. Salman

        Right now there is no upgrade offer. The banking website says i am eligible for a range of cards but the customer care guy says otherwise. My query is should i wait for the bank to offer an upgrade or go ahead with another card, or if i have to wait what would be the approx time period for me to get the upgrade and i am regular in my payments i have never missed any payments.
        Thanks in advance

        1. Siddharth Post author

          You have to “Mail them” and ask if they can upgrade you. You can get Allmiles this way very easily. You can still try for regalia.
          Phone support doesnt have access to such information.
          As far as HDFC is concerned, never call them 😀

  5. Jay

    I dint get any mail or SMS or calls stating REWARDS point in money back credit card is going to change. I was accumulating REWARDS points trusting HDFC suddenly I checked my REWARDS points value dripped from 2000 to 1500/- on top of it der is 75rs+service tax charges when we redeem it, this is too rubbish with out intimating customer how can yu change & for existing reward point value is dropped what nonsense is this? I wanted to resolve this from hdfc

  6. Jay

    By thinking REWARDS point are safe. I left it withing redeeming but suddenly with out intimating customer no calls no msgs no mail reward points value propped means I have 5000 point which was 2000rs now it became 1500rs I shud pay 75 RS charge to redeem it what nonsense is this? How existing point value can be dropped so worstly that too without intimating.

    1. Siddharth Post author

      Drop an email to their support and ask for escalation.


    Hai I am Nazeer Recently I got diners club card. But I can not use this card everywere. Please suggest me what i have to do for this situation?

    1. Siddharth Post author

      Ask to change card, or, you can always get some other card from some other bank 🙂

  8. pramod

    sir i got recently hdfc business mony back
    can i do neft to my cradit card

        1. Siddharth Post author

          Varies from customer to customer. Contact bank for your a/c Interest rate.


    Hello !
    just got the HDFC BMB credit card.. can you give me suggestion please where should I use this card?

    exactly what is the right method to use it properly ?

    like fuel, air-tickets,hotels,shopping or something else ??

  10. paray

    what changes will apply on bussines moneyback cc from 1st jan 2017
    cc validity is only 3years what will happen after expiry date of cc

  11. Saurabh Desai

    Hello.. This is saurabh desai.. May I know that, are all hdfc credit card acceptable in foreign countries.. If yes, what are the charges behind it… Also one more question am I able to transfer funds to other people from credit card limit..

    1. Siddharth Post author

      Yes you can use anywhere. Forex markup fee varies from card to card. Each of my review has it. If not, its 3.5%+tax
      No, you can’t transfer from cc to cc.

  12. arvind

    siddharth sir, I have business money back card plz tell sir if I can use this card for fuel on patrol pump?nd what will b they charging for it under 50 days. any hidden charges??

  13. arvind

    and plz tell the business money back platinum spacility. nd whenever I upgrade it. nd where it’s place in HDFC credit card.or if is better then Snapdeal credit card?

  14. Santosh

    I applied for this credit card from NetBanking on 17th Feb and got a call from HDFC that I don’t need to submit any documents since I already have a savings account. It’s been almost 13 days now and I haven’t heard anything from them, the online status shows that application is still in review. I don’t have a cibil score since I have never applied for any credit before. Is it safe to assume that the application is going to be rejected so I can apply for some other card from maybe SBI?

    1. Siddharth Post author

      Its good to wait for 2-3 weeks. You’ll get it as long as your savings a/c has some good txn history.

    2. Tissy Joseph

      Hi, I had only a simple savings account with HDFC and had no CIBIL score. One fine day they called me said that they were willing to issue me a credit card. I told them that I had no CIBIL score and they told me that they were not asking for CIBIL score and that I was eligible for a credit card. They asked me to login into my account and gave me the link to fill additional details. The same day late evening I received the virtual card by email and the next day I received a mail saying that my card was dispatched with courier details. I received the card on the third day of my application and it’s working fantastic!!!


  15. Mukesh

    I have recently got hdfc business money back card. If I buy grocery or say swipe card at pos, then will I be charged service tax@15% for that amount. Eg If I spend rs 10000, then I need to pay 10000*15%=1500as service tax.????

  16. Saif

    is it possible to increase the limit of this money back card ?
    can we increase the limit for a single transaction on special request , as the current limit is only 12 K which is really low for any transaction please help on the same.


    Hello sir,The information provided by you is amazing,I have a query that I’m using a kotak league platinum credit card from 6 months the credit limit is 19k very low and available limit is 5000 as an emi is running on it,I have contact the costamer care regarding limit increase but they are saying that there no limit increase offer available for you,I also have a hdfc bank account in that I’m getting eligibility for money back credit card but as per your information i want to the dinners club rewards or black credit card but bank branch is denied it as you’re not getting eligibility for it,I have recently checked by cibil score on bankbazaar and paisa bazaar,in bank bazaar it shows 758 and in paisa bazaar it shows 728,I kindly request you suggest me what to do and also want to know how get the approval for hdfc dinner club and how much average monthly balance in bank account is required to get easy approval.

    1. Vishal Tiwari

      Sir look credit score is not the only thing.
      if you are having a package of 10.80 lakhs PA
      then you can apply for diners premium card.
      if your salary is low you can get Diners rewards or regalia first card which is also a SPC (Super premium card)

      You can also get a Regalia First card if you are a Classic customer of HDFC bank.
      To become a classic customer you have to maintain the average quarterly balance of 1lakhs or above.


    How to get the offer for insta jumbo loan on hdfc business money back card.


      I request you to give reply.I’m interested in buying your premium service.

    2. Vishal Tiwari

      You Just have to use the card on regular basis
      after 3 months you will automatically get eligible for insta loan .
      and for jumbo wait for 6 months .


    Thank you for your amazing response,
    I want to know that how credit utilization calculate,it is suggested that keep it upto 30% is best,If my last bill is generated and i keep spending it will includes in utilization.for example my limit is 40k,last bill is 10k and i spend 10k after bill generation,what is credit utilization.
    Thanking you soo much.

  20. MD saleem

    Hi siddhart
    My income was below 10L and businesses income was above 1 Cr. We are HDFC Bank customer for more 2 year my card limit is only 50 ko am send my itr please suggest my new limit expect

  21. Ansil M H

    i am using hdfc money back credit card.i want to know about the service tax is debited from us when petrol filling using this card? And credited to us also

  22. Mickey

    Hi Siddharth

    In the features of this Business Money-back card you have written no free airport lounge access. This is incorrect. I have this card (MasterCard) and have used domestic lounge twice this year. I was charged Rs 25 which was reversed shortly.

    Or is it some special benefit they gave me maybe??

  23. Mickey

    Here you go Sid – from HDFC website –

    “Now you can enjoy the comforts of air travel even before you fly with complimentary access and use of facilities across select Airport Lounges in India

    · Avail 8 complimentary lounge access per calendar year through MasterCard Lounge Program

    · Credit Cards applicable for this program are as follows:

    · Business Corporate MoneyBack MasterCard Credit Card

    · Business Corporate Regalia MasterCard Credit Card

    · Corporate Platinum Credit Card

    · Corporate World MasterCard Credit Card

    · Corporate Premium MasterCard Credit Card”

    Valid until 31.12.1018

    And for VISA –

    Visa Airport Lounge Access Program

    “Enjoy 8 complimentary airport lounge visits every calendar year at the participating airport lounges”

    Expires On:2018-09-30

    Terms & Conditions

    • Upgrade your travel experience with complimentary access to Airport Lounges in India

    Eligible Cards

    a) Visa Corporate Platinum Credit Card

    b) Visa Corporate Signature Credit Card

    c) Visa Corporate Premium Credit Card

    d) Visa Business Corporate Regalia Credit Card

    So you can correct the lounge access in your review above!

  24. Mickey

    It says VISA program will terminate by 30th September, so this is the last month?? And MC by 31.12.2018.

    Surely they will renew it?

  25. Aakash

    Sir i have hdfc business money back credit card basically i use my credit limit on paytm amazon phone pe wallets so will i get reward points

  26. mintu deka

    Is it mandatory to get any insurance policy with hdfc money back credit card at the first time from hdfc bank?


    Sir I am got hdfc business money back credit card before 1 month how can upgrade other card .

  28. Madhuri Bharatiya

    After a lot of efforts I got my Business Moneyback credit card upgraded to Diners ClubMiles. I wrote to nodal officer and it worked for me. Even branch manager got tension and he made my case to be solved superfast

  29. Uttam aggarwal

    Sir, I have recently received lifetime free Business MoneyBack credit card.
    Generally i use my sbi simply click credit card on amazon shopping and it give me 10x rewards points.

    But I don’t know this card will give me 10x (or 5x) rewards points on amazon or not


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