5% Business Cashback
5% cashback on business and professional spends
HDFC Business Moneyback Credit Card
Smart cashback for business expenses
Annual Fee
₹500
Cashback Rate
5% Business
Special Feature
Business GST
Key Features & Benefits
GST Invoice
GST compliant invoices for business expense tracking
Fuel Benefits
2.5% cashback on fuel with 1% surcharge waiver
Digital Payments
Enhanced cashback on online business transactions
Expense Tracking
Detailed expense categorization for business
Business Insurance
Comprehensive business travel insurance coverage
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Business/Professional Services | 5% | ₹500 |
| Fuel | 2.5% | ₹200 |
| Digital/Online Transactions | 1.5% | ₹150 |
| All Other Spends | 0.5% | ₹100 |
Cashback Credit: Monthly statement credit
Minimum Cashback: ₹99 per statement
Maximum Cashback: ₹950 per month
Fees & Charges
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver
On ₹50,000 annual spends
Interest Rate
3.4% per month
Cash Advance Fee
2.5% (Min ₹300)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-65 years
- Business owner or professional
- Minimum Income: ₹25,000 per month
- Business vintage: 1+ years
- Credit Score: 650+ (preferred)
- Valid business registration
Required Documents
- Business registration certificate
- GST registration (if applicable)
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Business & Residential)
- Income/Business proof (ITR/P&L)
- Bank Statements (6 months)
Pros & Cons
✅ Pros
- Excellent business cashback (5%)
- GST compliant invoices
- Low annual fee (₹500)
- Good fuel cashback (2.5%)
- Business expense tracking
- Easy fee waiver
- Professional services focus
❌ Cons
- Limited to business users
- Monthly cashback caps
- No airport lounge access
- Basic travel benefits
- Lower rewards on personal spends
- Documentation requirements