YES FIRST Business Credit Card vs HDFC Moneyback Credit Card
Joining Fees
₹4,999
₹500
Editor's Rating
2.8
3.3
Key Features
- Earn Renewal benefit of 15,000 Reward Points on each renewal
- Domestic Airlines and Dining: 4 Reward Points per Rs. 100 spent on all other categories
- Complimentary Priority Pass Membership for the Primary Cardmember- Complimentary International lounge access and complimentary access to MasterCard affiliated lounges across Indian airports
- Enjoy one complimentary golf lesson every calendar month
- Fuel Surcharge Waiver
- Insurance Coverage
- Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
- Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
- Get 2 Reward Points on every Rs. 150 spent
- Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
- Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
- Zero Lost card liability
- Up to 50 days of interest free period from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- Avail facility of converting big spends into EMI after purchase
- HDFC Bank MoneyBack Credit Card is enabled for contactless payments
- Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
Editor's Review
Pros
- Annual Bonus Reward Points: Earn 20,000 Reward Points on achieving annual spends of Rs. 12 Lakhs or more in each anniversary year
- Reward Points Accrual: 8 Reward Points per Rs. 100 spent on Travel Agencies & Tour Operators
- Cash Advances and Overdue Amount: Preferential Foreign Currency Markup of 1.75% only
Cons
- You will not earn any extra rewards on international expenditure
- Air mile conversion option is only available with InterMiles
Pros
- Zero liability on the lost card if reported immediately
- With the EMV Chip technology presented in the card, stay protected against fraud
- Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
- The Reward points are only valid for 2 years
- No complimentary Airport Lounge Access
- High-interest rate of 3.49%
