HDFC Business MoneyBack Credit Card vs HDFC Bharat Credit Card
Joining Fees
₹500
₹500
Editor's Rating
3
3.3
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
- Get 5% monthly cashback by booking tickets through IRCTC
- On Fuel expenses, enjoy savings with 5% monthly cashback
- Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- On Groceries spends, enjoy savings with 5% monthly cashback
- Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
- Get Revolving Credit at Nominal interest rate
- Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card
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
- Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
Cons
- No Lounge Access
- No Golf benefits
