HDFC Business MoneyBack Credit Card vs Tata Neu Infinity HDFC Bank 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

• In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
• 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
• 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
• 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
• Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
• Reward points gained on Grocery transactions will be capped to 2,000 per month
• Zero lost card liability
• Foreign Currency Markup: 2% on all your foreign currency spends
• Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
• International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
• International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

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

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: Up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs. 9 lakhs
• Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

• No golf benefits
• Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app