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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.3% | 0.7% | 1.5% | 0.7% | 0.5% |
| Est. Monthly Reward (₹) | 15 | 65 | 305 | 370 | 455 |
| All-India Rewards Rank* | 116 | 96 | 32 | 177 | 275 |
| Within Bank Rank* | 19 | 16 | 9 | 28 | 35 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The Business MoneyBack Credit Card offers 0.67% effective discount on all online spending and 0.33% on all other retail spending. It also offers 5% cashback on electricity bills, telephone & internet bills, Government & Tax Payments.
We estimate this card has a net reward yield of 0.3-1.5% on all spending with the card in a month, making it a below average card for HDFC Bank customers.
Consider the Millennia Credit Card if you are spending less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on all spending up to ₹50,000.
If you are spending less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a yield of 1.9-2.4%.
If you are spending more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Business MoneyBack Credit Card |
|---|---|
| Card Type | Reward + Cashback |
| Reward/ Cashback Features | 4 Reward Points / ₹150 on online spends
2 Reward Points / ₹150 on all retail spends excluding wallet, EMI and petrol 10 Reward Points / ₹150 on Fuel ( First Year Only) 5% Cashback on Business Essential Spend (electricity bills, telephone & internet bills, Government & Tax Payments) |
| Milestone Rewards | – 2,500 Reward Points on annual spends of ₹1.8 Lacs |
| Other Rewards | – 20% off at Premium restaurants with Dineout Pay |
| Rewards Redemption Fee | ₹99 |
| Reward/ Cashback Caps | – 1,000 reward points on Grocery Txn. / mth.
– ₹250 Cashback per statement on Business Essential Spends – 1,000 reward points on Fuel / mth. |
| Preferred Redemption Method | Cashback against statement balance @ ₹ 0.20 / reward point |
| Card | Business MoneyBack Credit Card | |
|---|---|---|
| Joining Fee | ₹500 + Taxes | |
| Annual Fee | ₹500 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹50,000 | |
| Income Criteria | Salaried | N/A |
| Self-employed | ITR>₹6 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
