Compare HDFC Business MoneyBack Credit Card vs Paytm HDFC Bank Business Credit Card

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

First Year Fee will be waived upon spending Rs. 30,000 within the first 90 days
Renewal Year Fee will be waived upon spending Rs. 50,000 in the 12 months period
Activation Benefit: Avail Rs. 250 worth Gift Voucher upon card activation with 2 transactions in first 30 days
Milestone Benefit: Avail Rs. 500 worth Gift Voucher on spends of Rs. 1 Lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
3% cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App]
2% cashpoints on all other Select Paytm Spends
1% cashpoints on all other Retail Spends
Utility Bill Payments: Simply register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Be assured all utility bills will be paid on time, conveniently and easily
Zero cost liability: If the Card gets lost simply report it immediately to HDFC Bank’s 24-hour call centre. After reporting the loss, the cardholder will have a zero liability on any fraudulent transactions made on its card
1% fuel surcharge waived of on fuel transactions between transactions of Rs. 400 to Rs. 5,000
The card is enabled for contactless payments
Up to 20% discount on partnered restaurants via Dineout
Quick Loan for Business: Check for term loan eligibility on the credit card for business purposes
Avail up to 50 days of interest free credit on the Credit Card

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