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HDFC Bank · Mastercard / RuPay · हिन्दी

HDFC Bank Business MoneyBack Credit Card: full review

The HDFC Business MoneyBack is no longer issued to new applicants. For existing holders it earns about 0.5% on online spends and 0.25% elsewhere, with a 2.5% forex markup and GST invoice support. Its ₹500 fee is easy to waive, but most business owners will get more from a newer card.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: October 2026 · Current terms verified
HDFC BANK
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BUSINESS MONEYBACK
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹50,000/year spend)Annual fee
4 reward points per ₹200 on online spends (about 0.5% at up to ₹0.25 a point on SmartBuy or the catalogue); 2 points per ₹200 on other spends (about 0.25%); grocery points capped at 1,000 a month; no points on rent or educationReward structure
NoneLounge access

Key benefits of the HDFC Bank Business MoneyBack Credit Card

4 reward points per ₹200 on online spends (about 0.5%)2 reward points per ₹200 on other spends (about 0.25%)1 reward point is worth up to ₹0.25 on SmartBuy or the catalogue, or ₹0.15 as cashbackGrocery points capped at 1,000 a month1% fuel surcharge waiver (max ₹250/month)Annual fee waived on ₹50,000/year spend2.5% forex, lower than consumer cardsGST input credit claims supported
Apply now ↗ Min. income: ₹25,000/month (self-employed or salaried) · Credit score: 700+
Pros and cons
Pros
✓ Specific business card from HDFC, supports GST claims
✓ 2.5% forex vs 3.5% on most consumer cards, useful for international business purchases
✓ Online spends earn double the offline rate
✓ ₹500 fee very easily waived at ₹50K/year spend
Cons
✗ HDFC Bank has stopped issuing this card to new applicants
✗ Low returns: about 0.5% online and 0.25% elsewhere
✗ No lounge access
✗ Limited to business-friendly categories
Quick facts
Issuer HDFC Bank
Network Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (self-employed or salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's Business MoneyBack card page · Last checked October 2026
Recent updates

Corrected from HDFC Bank's card page: the card earns 4 points per ₹200 online and 2 points elsewhere, about 0.5% and 0.25% at up to ₹0.25 a point, not 5% and 1.5%. HDFC Bank has also stopped issuing this card to new applicants.

Online spends5%0.5%
Other spends1.5%0.25%
New applicationsOpenStopped by the bank

Corrected how we count grocery: the higher rate only applies to BigBasket, but our maths applied it to all grocery spend. This now earns the card's normal 1.5%; the higher rate is still listed in the card's rewards.

Grocery rate in our maths5% on all grocery1.5%
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Frequently asked questions
The annual fee for HDFC Bank Business MoneyBack Credit Card is ₹500 + taxes (waived on ₹50,000/year spend). The joining fee is ₹500.
The main benefits of the HDFC Bank Business MoneyBack Credit Card are: 4 reward points per ₹200 on online spends (about 0.5%); 2 reward points per ₹200 on other spends (about 0.25%); 1 reward point is worth up to ₹0.25 on SmartBuy or the catalogue, or ₹0.15 as cashback; Grocery points capped at 1,000 a month; 1% fuel surcharge waiver (max ₹250/month); Annual fee waived on ₹50,000/year spend; 2.5% forex, lower than consumer cards; GST input credit claims supported.
4 reward points per ₹200 on online spends (about 0.5% at up to ₹0.25 a point on SmartBuy or the catalogue); 2 points per ₹200 on other spends (about 0.25%); grocery points capped at 1,000 a month; no points on rent or education
HDFC Bank Business MoneyBack Credit Card is best for Existing holders only: HDFC Bank has stopped issuing this card. The HDFC Business MoneyBack is no longer issued to new applicants. For existing holders it earns about 0.5% on online spends and 0.25% elsewhere, with a 2.5% forex markup and GST invoice support. Its ₹500 fee is easy to waive, but most business owners will get more from a newer card.
The minimum income requirement for HDFC Bank Business MoneyBack Credit Card is ₹25,000/month (self-employed or salaried). A minimum credit score of 700+ is also recommended.
HDFC Bank Business MoneyBack Credit Card does not offer airport lounge access.
HDFC Bank Business MoneyBack Credit Card charges a 2.5% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
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HDFC Bank Business MoneyBack₹500 + taxes
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