HDFC Bank Biz First Credit Card vs HDFC Moneyback Credit Card

• Up to 55 days Interest Free Credit Period
• Earn cashpoints on your everyday Business spends:

A. 3% CashPoints on EMI Spends (Earn Maximum 1,000 CashPoints/Calendar month)

B. 2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions (Earn Maximum 500 CashPoints/Calendar month)

C. 1% CashPoints on all other spends including UPI spends (Earn Maximum 500 CashPoints/Calendar month) 

• Additional Benefit for your Business: Make GST payment using Business Credit Card:  

A. Pay Income Tax/ Advance Tax using Business Credit Card

B. SmartBuy BizDeals:  Avail up to 40% savings on Business travel and software purchase on smartbuy.hdfcbank.com/business  

C. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

D. Business Productivity Tools via – Nuclei :  

-  Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more  

- Get GST Invoice for availing Input Tax Credit  

• Make UPI Payments using the RuPay Biz First Credit Card and enjoy 1% Cash Point benefits
• Card Activation Benefit: Obtain Gift voucher worth Rs. 250 on making one transaction on the Biz First Credit card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy, and more 
• Milestone Benefits:

A. Get 2000 CashPoints every quarter on your quarterly spends of Rs. 75,000 & above

• Get 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
• Dining Benefits: Avail up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via Swiggy App using the card (20k + restaurants)
• Avail up to 5% Cash Back on travel/online shopping on SmartBuy
• SmartPay: SmartPay is an automatic payment facility available on the Credit Card to pay utility bills. Get assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
• HDFC Bank Biz First Credit Card provides the option to convert big spends into EMI after purchase
• Easy EMI: Choose EMI option for large online or in-store purchases using the Biz First Credit Card and avail easy repayments using Easy EMI.
• Zero Lost card liability
• Business Insurance Benefit: Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes the following:

A. Fire & Burglary insurance for Shop up to Rs. 5 lakhs

B. Cash in Safe/Transit up to Rs. 25,000

C. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

D. Hospital Cash: Accident only amount payable per day up to Rs. 1000

E. Hospital Cash: Illness only amount payable per day up to Rs. 1000

F. Cardholders have the option to choose higher Business Insurance cover as per their Business need

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

Pros

• Earn cashpoints on your everyday Business spends
• Avail up to 5% Cash Back on travel/online shopping on SmartBuy
• Avail Business Insurance package starting at an annual premium of Rs. 3,785

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%