HDFC Bank CSC Small Business MoneyBack Credit Card
HDFC Bank
Annual / renewal fee
₹250 (Annual membership fee).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Earn rate
- Reward Points earned in multiples of ₹150 (revised to multiples of ₹200 w.e.f 15th May 2026, at 2 base reward points per ₹200 spent for CSC Business Moneyback).
- Product features: 5% CashBack on Business Essential Spends (like electricity bills, telephone and internet bills, Government and Tax Payments).
VerifiedCSC Small Business MoneyBack Credit Card product page14 Aug 2026, 10:16 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
CSC Small Business MoneyBack Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹250 (Joining / Annual membership fee).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Annual / renewal fee
₹250 (Annual membership fee).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for next year waived on minimum spend of ₹25,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Renewal fee
- ₹250.
- Minimum spend of ₹25,000/Annum for waiver of annual membership fee / renewal charges for next year.
VerifiedCSC Small Business MoneyBack Credit Card — governing document (side-door search)14 Aug 2026, 10:16 PM ISTHDFC Bank
Rewards
- Reward Points earned in multiples of ₹150 (revised to multiples of ₹200 w.e.f 15th May 2026, at 2 base reward points per ₹200 spent for CSC Business Moneyback).
- Product features: 5% CashBack on Business Essential Spends (like electricity bills, telephone and internet bills, Government and Tax Payments).
VerifiedCSC Small Business MoneyBack Credit Card product page14 Aug 2026, 10:16 PM IST
Redemption value
- Reward Points credited as CashPoints, redeemable against statement balance at 100 Reward Points = up to ₹20.
- Minimum redemption 2,500 Reward Points.
- Rewards Redemption Fee ₹99 per redemption request.
- Reward Points valid for 2 years from date of accumulation.
VerifiedCSC Small Business MoneyBack Credit Card product page14 Aug 2026, 10:16 PM ISTHDFC Bank
Reward cap
- Reward Points accrued for insurance transactions capped at 2,000 per day.
- Grocery transactions capped at 1,000 Reward Points per month.
- Utility transactions capped at 2,000 Reward Points per calendar month (w.e.f 1 Sep 2024).
- Telecom transactions capped at 2,000 Reward Points per calendar month.
- Credit Card purchases via UPI mode earn up to a maximum of 500 points in a calendar month.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Reward exclusion
- Rent payments earn no Reward Points/CashPoints (w.e.f 1 Jan 2023).
- Government related transactions DO earn Reward Points on CSC small business moneyback.
- Education related transactions do NOT earn Reward Points/CashPoints on CSC small business moneyback.
- EasyEMI and e-wallet loading transactions do not accrue Reward Points.
- Reward Points reversed if a retail transaction is converted into SmartEMI.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
- Self-employed Indian Citizen aged between 21 years to 65 years.
- Annual ITR above ₹6 lakh.
VerifiedCSC Small Business MoneyBack Credit Card product page14 Aug 2026, 10:16 PM ISTHDFC Bank
Charges & interest
Forex markup
3.50% of transaction value on foreign currency transactions.
VerifiedCSC Small Business MoneyBack Credit Card product page14 Aug 2026, 10:16 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver, waived for transactions between ₹400 to ₹5,000 (waiver capped at ₹250 every billing cycle).
- GST on fuel surcharge not reversed.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 202514 Aug 2026, 10:16 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the CSC Small Business MoneyBack Credit Card?
Officially traced: Rs. 250 (Annual membership fee).
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025What is the joining fee on the CSC Small Business MoneyBack Credit Card?
Officially traced: Rs. 250 (Joining / Annual membership fee).
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025Is the CSC Small Business MoneyBack Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 25,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025How does the CSC Small Business MoneyBack Credit Card earn rewards?
Reward Points earned in multiples of Rs. 150 (revised to multiples of Rs. 200 w.e.f 15th May 2026, at 2 base reward points per Rs. 200 spent for CSC Business Moneyback).
CSC Small Business MoneyBack Credit Card product pageWhat are the transfer ratios for CSC Small Business MoneyBack Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/business-credit-cards/csc-small-business-moneyback-credit-card.
VerifiedCSC Small Business MoneyBack Credit Card product page14 Aug 2026, 10:16 PM ISTHDFC Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.