HDFC Business MoneyBack Credit Card vs HDFC Bank Biz First Credit Card

Joining Fees

₹500

₹500

Editor's Rating

3

3.6

Key Features

  • Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
  • Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
  • Use HDFC Bank Business Moneyback Credit Card for Vendor/supplier and GST payments and enjoy up to 50 days of interest-free credit period
  • Earn 2,500 Bonus Reward Points on spends of Rs. 1.8 lakhs or more within your anniversary year
  • Redeem reward points as cashback against the statement
  • Get 5X Reward Points on Fuel with a maximum 1000 points per month in the first year
  • Do note that effective 1st October 2023, 5X RP on fuel transactions will be discontinued
  • Up to 50 days interest-free credit period
  • Avail 5% Monthly Cashback on Business Essential Spends such as electricity bills, telephone and internet bills, Government and Tax Payments
  •  Get up to Rs.250 cashback per statement with a minimum monthly spend of Rs.10,000. This offer is applicable only in the first year
  • Get 5% cashback on GST payments using Business Credit Card. Offer valid only for the first year after card issuance
  • Avail up to 4 Reward Points on every Rs. 150 spent for business payment, redeem reward points to pay credit card bill
  • Register your credit card with SmartPay, HDFC Bank's utility bill payment service, and ensure that your utility bills are paid on time, conveniently and easily. You can get an assured cashback of up to Rs. 1800 in the first year, as well as exciting e-vouchers worth up to Rs. 800 for adding two or more bills on Smart Pay
  • Zero Lost card liability
  • Enjoy Revolving Credit at a nominal interest rate
  • 1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000
  • Experience wonderful dining benefits with the Good Food Trail program
  • Save up to 20% on your restaurant bills at 20,000+ restaurants with Swiggy Dineout. This offer includes discounts from both the restaurant and Swiggy. Valid only for payments made through the Swiggy app
  • Milestone Benefit: Earn Bonus 2,500 Bonus Reward Points when spending Rs. 1.8 lakhs in the anniversary year
  • Renewal Offer: If you spent Rs.50,000 or more in the previous year, your renewal fee will be waived off
  • Convert big spends into EMI after purchase
  • The HDFC Bank Business Moneyback Credit Card is equipped with contactless payment technology for added convenience and speed
  • 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

Editor's Review

Pros

  • Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
  • Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
  • Avail 5% Monthly Cashback on Business Essential Spends 

Cons

  • No golf benefits are provided
  • No airport lounge access

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


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