HDFC Bank Business MoneyBack Credit Card

Renewal feeJoining fee

₹500 + GST

Fee waiver rule

Renewal fee waived on minimum annual spending of ₹50,000

Add-on card fee

₹0Lifetime Free

Reward rate

2 Reward Points on other retail spends and 2X Reward Points on every ₹200 spent online.

EMI spend earning

Do not accrue any reward points.

Government spend earning

Earns Reward Points on government transactions.

Online earning

2X Reward Points (RP) on every ₹200 spent online.

Rent earning

Rent payment and Education related transactions will not earn reward points.

Reward exclusions

Fuel, easy EMI, eWallet Loading, Cash advance, fees and other charges do not accrue any reward points.

Reward caps

Up to 15,000 Reward Points per statement cycle

Redeeming points for travel

SmartBuy (against Flights/Hotel booking) Up to ₹0.25

Statement-credit redemption

15 paise per point

Voucher and product redemption

Product and vouchers through Product Catalogue with NetBanking Up to ₹0.25

Point expiry

Reward points are valid only for 2 years from the date of accumulation

Dining programme

Dining privileges with the Good Food Trail Program and get up to 20% off

Milestone benefits

2,500 Reward Points on spends of ₹1.8 lakh annually.

Fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; maximum waiver of ₹250 per statement cycle

Surcharge on railway tickets

1% of transaction amount + GST on railway ticket purchases

Lost card liability

Zero liability on fraudulent transactions made on your Card if reported immediately to our 24-hour Call Centre.

Balance transfer terms

1% processing charge

Purchase to EMI conversion

Convert all your big spends into EMI after purchase.

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

3.75% Monthly

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

Finance charges for both revolving credit and cash advances: All other variants 3.75% Monthly 45.0% Annually.

Interest-free period

Up to 50 days of interest-free credit from the date of purchase

Late payment fee

Late Payment Charges (Excl. GST): Less than equal to ₹100 Nil; ₹101 to ₹500 ₹100/-; ₹501 to ₹1,000 ₹500/-; ₹1,001 to ₹5,000 ₹600/-; ₹5,001 to ₹10,000 ₹750/-; ₹10,001 to ₹25,000 ₹900/-; ₹25,001 to ₹50,000 ₹1100/-; More than ₹50,000 ₹1300/

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 for card payments made by depositing in HDFC Bank branches or ATMs.

Education / school fee charge

1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST @ 18% on interest and late payment charges

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Age the primary cardholder must be

Aged between 21 to 65 years.

Income requirement

Annual Income Tax Return (ITR) above ₹6 lakh

Income, self-employed

Self-employed Indian citizens aged between 21 to 65 years with an annual ITR above ₹6 lakh.

Documents required

Identity, address, photograph and KYC/AML documents required.