HDFC Bank CSC Small Business MoneyBack Credit Card
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Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “The sourcing of this card has been discontinued.”
Open alternatives
First-year fee
₹250 + GST
Annual fee
₹250 + GST
What it gives back
2 Reward Points per ₹200 · everyday spends
Fees
Joining fee
₹250 + GST
Renewal fee
₹250 + GST
Fee waiver rule
Spend ₹25,000 in 12 Months and get Renewal Fee waived for next renewal year.
Add-on card fee
₹0
Welcome offer
Welcome benefit
Complimentary Zomato Gold Membership on spends worth ₹75,000 within first 3 months
Rewards
Fuel earning
5X Reward Points on Fuel (Maximum 1000 points in a month)
Reward rate
2 Reward Points per ₹200 · everyday spends4 Reward Points for every ₹200 spent on online spends; 2 Reward Points for every ₹200 spent on all other spends.
EMI spend earning
Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
Groceries earning
Reward points earned on Grocery transactions will be capped to 1,000 per month.
Insurance spend earning
Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction
Online earning
4 Reward Points on online spends per ₹200 spent.
Rent earning
Rent payments will not earn Reward Points.
Reward earning on dining spends
5% CashBack on Hotels & Dining.
Travel earning
5% CashBack on Railway, Hotels & Dining and Taxi.
Utilities earning
5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi
Reward exclusions
Rent payment and Education related transactions will not earn reward points.
Reward caps
Maximum CashBack of ₹250 per statement on minimum monthly spends of ₹10,000
What one reward unit is worth
100 Reward Points = up to ₹20
Cashback redemption
Accumulated Reward Points redeemed for CashBack @ 100 Reward Points = ₹20.
Catalogue redemption
Reward Points can be redeemed for exciting gifts and air miles from an exclusive rewards catalogue at the applicable redemption rate
Redeeming points for travel
Redemption of Travel Reward Points capped at 50,000 points per month.
Statement-credit redemption
CashPoints can be redeemed against the statement balance, 100 Reward Points = up to ₹20
Voucher and product redemption
Redemptions for cashback, products, or vouchers via the HDFC Bank NetBanking or SmartBuy portal, a fee of ₹99 plus taxes per redemption request
Point expiry
Unredeemed Reward Points will expire/lapse after 2 years of accumulation.
Smallest number of points that can be redeemed
Minimum redemption of 2,500 Reward Points for statement balance redemption
Card benefits
Dining programme
Pay with your HDFC Bank CSC Small Business Moneyback and enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants!
Milestone benefits
1,000 Bonus Reward Points on annual spends of ₹90,000.
Minimum spend rules
Transaction amounts less than ₹200 will not accrue any Reward Points.
Also included
Fuel surcharge waiver
1% Fuel Surcharge waived off on fuel transactions. (Minimum transaction of ₹400, Maximum CashBack of ₹250 per statement cycle)
Surcharge on railway tickets
1% of transaction amount + GST on railway ticket purchases
Lost card liability
Zero liability on transactions once it is reported lost.
Balance transfer terms
1% processing charge
Purchase to EMI conversion
Option to convert big spends into EMI after purchase available.
Charges
Forex markup
3.5% on foreign currency transactions.3.5% markup fee on the total value of transactions made in foreign currencies
Dynamic currency conversion markup
1.75%1.75% on each International transaction carried out in Indian currency at an international location
Cash advance fee
2.5% of the withdrawn amount or ₹500, depending on which is higher.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
Cash withdrawal limit: 40% of the Credit Limit.
Interest on unpaid balance
3.75% per month (i.e., 45% per annum)
Over-limit fee
2.5% of overlimit amount, subject to a minimum of ₹550
Payment return or dishonour fee
2% of payment amount subject to minimum of ₹450
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
₹100 for reissuing a lost or damaged card.
Cash payment / cash deposit fee
₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.
Fee on online skill-based gaming spends
1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.
Reward redemption fee
Reward redemption fee of ₹99 per request will be applicable on all redemptions.
Wallet load charge
1% fee on wallet loading spends exceeding ₹10,000 in a calendar month.
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% utility transaction fee when the related transaction amount exceeds ₹75,000.
GST note
GST @ 18% applicable on interest and late payment charges
Grace days after the due date
Interest free credit period could range from 20 to 50 days
Eligibility
Age the primary cardholder must be
21 - 65 years
Income requirementIncome, self-employed
Annual ITR > ₹6 lakh.
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.
Residency
Indian
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.