The HDFC Bank Business MoneyBack Credit Card range is designed for self-employed professionals, small business owners, corporate entities, and CSC operators who want to earn rewards on business spends. These cards help users manage professional expenses, vendor payments, utility bills, employee spends, and online transactions while earning Reward Points or cashback-style benefits. The three major variants are HDFC Business MoneyBack Credit Card, Business Corporate MoneyBack Credit Card, and CSC Small Business MoneyBack Credit Card. These HDFC credit cards are no longer open for new sourcing, but existing cardholders can continue using their applicable benefits.
HDFC Business MoneyBack Credit Card Overview
The table below compares the three HDFC Bank Business MoneyBack Credit Card variants available for different business users.
| Card Variant | Best Suited For | Key Benefit | Card Type |
| HDFC Business MoneyBack Credit Card | Self-employed users and small business owners | 2X rewards on online spends and Easy EMI options | Business Credit Card |
| Business Corporate MoneyBack Credit Card | Companies and employee expense programs | Enhanced reporting tools and corporate liability waivers | Corporate Credit Card |
| CSC Small Business MoneyBack Credit Card | CSC operators and small merchants | 5% cashback on business essentials and utility bills | Small Business Credit Card |
| Important Note:
HDFC Bank has currently stopped sourcing and accepting new applications for the Business MoneyBack Credit Card variants, including the HDFC Business MoneyBack Credit Card and the CSC Small Business MoneyBack Credit Card. However, existing cardholders can continue to enjoy the available rewards, cashback benefits, and business features associated with their cards. |
Types of HDFC Business MoneyBack Credit Card
HDFC Bank offers three Business MoneyBack variants to support different business spending and expense management needs.
1. HDFC Business MoneyBack Credit Card
The HDFC Business MoneyBack Credit Card is a reward-based business credit card created for self-employed professionals and small business owners. New sourcing for this card has currently been stopped, but existing users can continue earning rewards on business-related spends.
| Feature | Details |
| Card Type | Business Credit Card |
| Best Suited For | Self-employed professionals and small business owners |
| Reward Benefit | 2X Reward Points on online spends |
| Regular Rewards | 2 Reward Points on other eligible retail spends |
| Milestone Benefit | 2,500 Reward Points on annual spends of ₹1.8 lakh |
| Interest-Free Credit | Up to 50 days |
| Use Cases | Vendor payments, GST payments, business purchases, online spends |
| Joining/Renewal Fee | ₹500 + applicable taxes |
| Current Status | New sourcing stopped |
Also Read: HDFC Moneyback Credit Card
2. Business Corporate MoneyBack Credit Card
The Business Corporate MoneyBack Credit Card is designed for companies that need to manage employee expenses, corporate billing, travel spends, and business purchases through a structured card program.
| Feature | Details |
| Card Type | Corporate Credit Card |
| Best Suited For | Companies and employee expense programs |
| Reward Benefit | 2 Reward Points for every ₹150 spent |
| Expense Management | Enhanced reporting tools and advanced reconciliation |
| Liability Protection | Corporate liability waiver from ₹2 lakh to ₹25 lakh |
| Insurance Benefit | Air accidental death cover up to ₹1 crore |
| Card Management | MyCards platform for controls and spend tracking |
| Billing Type | Corporate billing/account-based |
3. CSC Small Business MoneyBack Credit Card
The CSC Small Business MoneyBack Credit Card is designed for CSC operators, village-level entrepreneurs, and small merchants. New sourcing for this variant has also been discontinued, but existing users can continue using the card’s applicable benefits.
| Feature | Details |
| Card Type | Small Business Credit Card |
| Best Suited For | CSC operators and small merchants |
| Key Benefit | 5% cashback on business essential spends |
| Business Essential Spends | Electricity, telephone, internet, government/tax payments |
| Online Rewards | 4 Reward Points for every ₹150 or ₹200 spent online |
| Milestone Benefit | 1,000 bonus points on annual spends of ₹90,000 |
| Renewal Fee | ₹250 + applicable taxes |
| Renewal Fee Waiver | Spend ₹25,000 in 12 months |
| Current Status | New sourcing stopped |
HDFC Business MoneyBack Credit Card Fee & Charges
Fees vary based on the selected Business MoneyBack variant and the specific agreement with the bank.
| Variant | Joining/Renewal Fee | Fee Waiver Condition | Key Charges |
| HDFC Business MoneyBack Credit Card | ₹500 + taxes | As per HDFC Bank terms | ₹99 redemption fee; fuel surcharge terms; EMI charges |
| Business Corporate MoneyBack Credit Card | As per corporate arrangement | Based on company agreement | Corporate billing, late payment, cash advance, and forex charges |
| CSC Small Business MoneyBack Credit Card | ₹250 + taxes | Spend ₹25,000 in 12 months for renewal waiver | ₹99 redemption fee; EMI and late payment charges |
Also Read: HDFC Rupay Credit Card
HDFC Business MoneyBack Credit Card Features & Benefits
These cards offer business rewards, cashback-style redemption, utility benefits, EMI options, and expense management tools.
Reward Points and CashPoints on Business Spends
- HDFC Business MoneyBack users earn Reward Points on online and retail business spends.
- Business Corporate MoneyBack users earn 2 Reward Points for every ₹150 spent.
- CSC Small Business MoneyBack users earn rewards and cashback on business essential spends.
Accelerated Rewards on Online Spends
- HDFC Business MoneyBack offers 2X rewards on online spends.
- CSC Small Business MoneyBack offers 4 Reward Points on online transactions.
Milestone Rewards
| Variant | Milestone Benefit |
| HDFC Business MoneyBack | 2,500 Reward Points on annual spends of ₹1.8 lakh |
| CSC Small Business MoneyBack | 1,000 bonus points on annual spends of ₹90,000 |
Utility Bill and SmartPay Benefits
- Use SmartPay to automate recurring business bill payments.
- Eligible users may earn up to ₹1,800 cashback in the first year through SmartPay utility bill setup.
- Useful for electricity, internet, telephone, and other recurring business payments.
Corporate Expense Management
The Business Corporate MoneyBack Credit Card supports:
- Employee spend tracking
- Enhanced reporting tools
- Advanced reconciliation
- Corporate billing
- Card controls for online and contactless spends
CSC Merchant-Focused Benefits
The CSC Small Business MoneyBack Credit Card offers 5% cashback on business essential spends such as:
- Electricity bills
- Telephone bills
- Internet bills
- Government and tax payments
Fuel Surcharge Waiver
- Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
- Waiver is capped at ₹250 per statement cycle, where applicable.
SmartEMI and Business EMI Options
- Convert large business purchases into EasyEMIs.
- Useful for office furniture, electronics, equipment, and recurring business investments.
Contactless Payments
- Cards support secure contactless transactions.
- In India, contactless payments up to ₹5,000 generally do not require PIN entry.
Zero Lost Card Liability
- Report card loss or fraudulent transactions immediately to HDFC Bank’s 24-hour call centre.
- Zero Lost Card Liability may protect users from unauthorized transactions, subject to bank terms.
Comparison of HDFC Business MoneyBack Variants
Compare all three variants to choose the right card for your business needs.
| Feature | HDFC Business MoneyBack | Business Corporate MoneyBack | CSC Small Business MoneyBack |
| Best For | Small business owners | Companies and employee spends | CSC operators and small merchants |
| Card Type | Business | Corporate | Small Business |
| Rewards | 2X on online spends | 2 RP per ₹150 spent | 5% cashback on essentials |
| Milestone Benefit | 2,500 RP on ₹1.8 lakh spends | Based on corporate terms | 1,000 RP on ₹90,000 spends |
| Expense Management | Individual/business spends | Employee and company spends | Merchant/business payments |
| Billing | Business/individual account | Corporate billing | Business account |
| Ideal User | Self-employed professionals | Corporates and enterprises | CSC entrepreneurs |
Also Read: HDFC CSC Small Business MoneyBack Credit Card
HDFC Credit Card Customer Care
Customers can contact HDFC Bank through various support channels for card management and grievance redressal.
| Service Category | Customer Care Details |
| General Helpline (Across India) | 1800 1600 / 1800 2600 |
| International Helpline (Customers Abroad) | +91 22 61606160 |
| Dedicated Premium Support (Infinia, Diners Black, Imperia) | +91 22 61717606 |
| Service Helpline (Queries & Assistance) | 1800 258 5616 |
| Toll-Free Complaint Number (India Only) | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
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