HDFC Business MoneyBack Credit Card vs HDFC Bank EasyEMI Credit Card

Joining Fees

₹500

₹500

Editor's Rating

3

2.5

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
  • Milestone Benefit: Spend Rs. 20000 and more in the first 90 days to get first year membership fee waived off
  • Launch Offer: Get Rs. 1000 worth gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter, for the first year only
  • Contactless payment enabled
  • Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
  • Get 2.5% CashBack on all online spends
  • Get 1% CashBack on all offline spends and Wallet reloads
  • All transactions of Rs. 10,000 and more will be auto converted to EasyEMI for 9 months. Do note that auto conversion will not be applicable on gold, jewellery, and fuel transactions, and the conversion will be processed after 5 business days from the date of transaction
  • Zero Lost card liability 
  • Up to 50 days of interest free period from the date of purchase
  • Revolving Credit is available at a nominal interest rate
  • Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400

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

  • Launch Offer
  • Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
  • Get 2.5% CashBack on all online spends

Cons

  • No golf benefits
  • No rewards benefits
  • No airport lounge access


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