The HDFC CSC Small Business MoneyBack Credit Card is a business-focused credit card specially designed for Common Service Centre (CSC) operators, village-level entrepreneurs, small business owners, and self-employed professionals. This HDFC credit card helps users earn rewards on everyday business expenses such as utility bill payments, government taxes, internet services, and online purchases. It combines reward points, cashback benefits, fuel savings, and flexible repayment options to support business growth. Although HDFC Bank has stopped sourcing new applications for this card, existing cardholders can continue enjoying its rewards, cashback benefits, and business-oriented features.
HDFC CSC Small Business MoneyBack Credit Card Overview
The HDFC CSC Small Business MoneyBack Credit Card is designed to maximize value on business-related spending while providing flexibility and savings for entrepreneurs.
| Feature | Details |
|---|---|
| Card Type | Business Credit Card |
| Best Suited For | CSC Operators and Small Business Owners |
| Reward Structure | 4 RP on Online Spends and 2 RP on Other Retail Spends |
| Cashback Benefit | 5% Cashback on Business Essential Spends |
| Annual Fee | ₹250 + Applicable Taxes |
| Renewal Fee Waiver | Spend ₹25,000 in a year |
| Interest-Free Period | Up to 50 Days |
| Current Status | New sourcing discontinued by HDFC Bank |
Important Note: HDFC Bank has stopped accepting new applications and sourcing for the CSC Small Business MoneyBack Credit Card. However, existing cardholders can continue to enjoy the card’s rewards, cashback benefits, fuel surcharge waivers, and business-focused features without any interruption.
HDFC Small Business MoneyBack Credit Card Fee & Charges
Understanding the fee structure helps cardholders maximize benefits while minimizing costs.
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹250 + Applicable Taxes |
| Renewal Fee | ₹250 + Applicable Taxes |
| Renewal Fee Waiver | Annual spends of ₹25,000 or more |
| Reward Redemption Fee | ₹99 per redemption request |
| Reward Redemption Value | 100 Reward Points = ₹20 |
| Minimum Redemption | 2,500 Reward Points |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹5,000 |
| Interest-Free Credit Period | Up to 50 Days |
Also Read: HDFC Biz Black Credit Card
CSC Small Business MoneyBack Credit Card Features & Benefits
The card offers multiple benefits that cater specifically to the financial needs of CSC operators and small business owners.
Accelerated Reward Points
- Earn 4 Reward Points for every ₹150 spent online.
- Earn 2 Reward Points for every ₹150 spent on other retail purchases.
- Reward Points are not applicable on fuel transactions and certain excluded categories.
5% Cashback on Business Essentials
Get 5% Cashback on essential business expenses such as:
- Electricity bill payments
- Telephone bills
- Internet service payments
- Government tax payments
- Business utility expenses
The cashback benefit is capped as per the card’s terms and conditions.
Annual Milestone Rewards
- Earn 1,000 Bonus Reward Points when annual spending reaches ₹90,000.
- Milestone rewards provide additional value for regular business users.
Fuel Benefits
- Enjoy a 1% fuel surcharge waiver at fuel stations across India.
- Applicable on transactions between ₹400 and ₹5,000.
- The maximum waiver is subject to the card’s billing cycle limits.
Dining Benefits
Cardholders can save on dining expenses through:
- Up to 20% discount via Swiggy Dineout
- Additional discounts under the Good Food Trail Program
SmartEMI Facility
- Convert large business purchases into affordable monthly installments.
- Available on eligible transactions.
- Helps improve cash flow management for businesses.
Up to 50 Days Interest-Free Credit
- Get up to 50 days of interest-free credit from the purchase date.
- Useful for managing vendor payments and short-term working capital requirements.
Contactless Payment Technology
- Tap and Pay functionality enables quick and secure transactions.
- Contactless transactions up to ₹5,000 can be completed without entering a PIN.
Security Features
- EMV Chip technology protects against card fraud.
- Zero Lost Card Liability if the card is reported immediately after loss or theft.
- Secure online transaction authentication.
Digital Card Management
Manage your card conveniently through HDFC Bank’s digital platforms:
- Track transactions
- Check Reward Points balance
- Redeem rewards
- Generate statements
- Control card usage settings
HDFC Credit Card Customer Care Number
HDFC Bank provides multiple support channels for existing CSC Small Business MoneyBack cardholders.
| 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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