Csc Small Business Moneyback Credit Card

Click here to view the changes in HDFC Bank CSC Small MoneyBack Credit Card effective 15th May 2026.

What’s In Store For You

More benefits than ever before

Reward Benefits

  • On every ₹200 Spent - 4 Reward Points on online spends | 2 Reward Points on all other spends*

Milestone Benefits

  • 1,000 Bonus Reward Points on annual spends of ₹90,000 

Business Benefits

  • 5% CashBack on Business Essential Spends* (like electricity bills, telephone and internet bills, Government and Tax Payments) 

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Additional Benefits

Wondering If You Are Eligible?

Self Employed

  • Nationality: Indian
  • Age: 21 - 65 years
  • Annual ITR > ₹6 lakh

 

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Documents Required To Get You Started

Identity Proof 

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photographs

Address Proof 

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof 

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Application Process

Online application process:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

Check Eligibility
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Know More About The Card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management and Control

Fees & Charges

  • Joining/Renewal Membership Fee – ₹250/- plus Applicable Taxes

  • Click here to view details of HDFC Bank CSC Small Business MoneyBack Credit Card Fees and Charges

Redemption Value: 

  • Reward Points as per the product features will be credited in the form of CashPoints, which can be redeemed by the customer against their statement balance (100 Reward Points = up to ₹20) 

  • Note: For redemption against statement balance, minimum redemption amount is 2,500 Reward Points  

  • Minimum redemption amount should be ₹2, 500 

  • Transaction amounts less than ₹200 will not accrue any Reward Points 

  • Payment of at least Minimum Amount Due is required even if you are redeeming you 

  • Reward Points against outstanding on your Card Account 

  • Reward points accrued will be reversed if a retail transaction is converted into SmartEMI 

  • Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction 

  • Additional Reward Points will be credited in the subsequent statement cycle only for transactions which are classified under the 'Air', 'Travel',''Hotel', 'Restaurant' or 'Online' Merchant Category Code (MCC) as defined by VISA/ MasterCard 

  • Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.

Redemption Limit:  

  • With effect from January 1, 2023,  

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

  • Reward points earned on Grocery transactions will be capped to 1,000 per month.  

  • Redemption of Travel Reward Points will be capped at 50,000 points per month. 

  • Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate.   

CashBack Validity: 

 

  • Unredeemed Reward Points will expire/lapse after 2 years of accumulation  

Click here for fees and charges.

 

Fees & Charges

Contactless Payment

  • HDFC Bank Business MoneyBack Credit Card is enabled for Contactless Payments at retail outlets.

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5, 000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.) 

Contactless Payment

Additional Features

Dining Benefit

  • Enjoy amazing dining benefits with Good Food Trail program

  • Indulge in mouth-watering discounts! Pay with your HDFC Bank CSC Small Business Moneyback and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants! Click here to Know more.

  • Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

Click here for more details

Smart EMI:  

  • Option to convert big spends into EMI after purchase available on HDFC Bank Business MoneyBack Credit Card. (Click here to know more)    

Zero Cost Card Liability 

  • Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre. 

Revolving Credit

  • Available at a nominal interest rate. (Check Fees and Charges section for more details) 
Additional Features

EMV Chip Cards

  • With HDFC Bank, financial safety is assured, making every transaction worry-free and convenient, whether at home or abroad. Embedded with encrypted microchips, these cards ensure unparalleled safety against fraud, counterfeiting, and skimming. Ideal for international travel and shopping, HDFC Bank EMV Chip Cards offer shielding users from potential risks always

Exclusive SmartBuy Business portal for all Business cardholders. Click here to know more.

EMV Chip Cards

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms and Conditions

Application Channels

You can choose any of the following easy options to apply for your Card:

1. Website

  • You can quickly apply online by clicking here.

2. PayZapp App

  • If you have the PayZapp app, just head to the credit card section to get started. Don’t have it yet? Download PayZapp here and apply directly from your phone.

3. NetBanking

  • If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.

4. HDFC Bank Branch

  • Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Application Channels

Frequently Asked Questions

Free credit period 
Avail up to 50 days of interest free credit  
 
Reward Points: 
• 4 Reward Points for every ₹150 spent on online spends. 
• 2 Reward Points for ₹150 on other expenses (Except fuel) 
Redeem Reward Points for CashBack 100 Reward Points = ₹20 
• Enjoy 5X Reward Points on Fuel capped at 1000 Rewards per calendar month 
 
Reward Point Redemption  
Accumulated Reward Points can be redeemed for CashBack @ 100 Reward Points = ₹20 & min. redemption amount should be of ₹2,500. 
Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate. Click here for further details. 
Reward redemption fee of ₹99 per request will be applicable on all redemptions.

Effective 1st February 2026, reward points can be redeemed up to a maximum of five times per calendar month on your credit card.


Welcome Benefit:  

Complimentary Zomato Gold Membership on spends worth ₹75,000 within first 3 months of getting your new Business credit card.  
 
With the Zomato Gold membership you get a complimentary dish on every visit at a Gold food partner restaurant or 2 complimentary drinks at select Zomato partner restaurants. 
* Valid for new customers from Sep 1, 2019 onwards 
 
Business Savings:  
5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum CashBack of ₹250 per statement on minimum monthly spends of ₹10,000. 
 
Exclusive Business Saving through Offers 
Click here for exclusive offers on your HDFC Bank Business Credit Card. 
 
Annual Spends benefit  
Earn 1000 Reward Points on annual spends of ₹90,000 or more in each anniversary year* 
 
*Important Terms and Conditions of Annual spends benefit program
 

Effective 1st February 2026, reward points can be redeemed up to a maximum of five times per calendar month on your credit card.

Fuel surcharge waiver

1% Fuel Surcharge waived off on fuel transactions.
(Minimum transaction of ₹400, Maximum CashBack of ₹250 per statement cycle)

Contactless Payment Technology

The CSC Small Business MoneyBack Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
You can use your Card to make quick transactions at merchant locations accepting contactless Cards.

Zero liability on lost card

If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card. 

Revolving Credit

Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section. 

Sample Reward Point Illustration for spends of ₹15,000 on online spends, ₹12,000 on  other retail spends in a month. Reward Points will be accrued for a minimum transaction of ₹150.

RP components Calculation Reward Points
4 RP for ₹15,000 spent on online spends; 15000*4/150 = 400
2 RP for on other spends except retail of ₹12,000; 12,000*2/150 = 160
Total Reward Points 560

• Accumulated Reward Points can be redeemed for CashBack or for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.

• Request can be made through Net Banking after logging to your account. Cards--> Enquire -> Redeem Reward Points

• Through PhoneBanking

You shall contact our PhoneBanking number to redeem the points through call. Phone banking numbers are available on the reverse side of your credit card.

Customers can walk in to HDFC branches to apply for HDFC Bank - Business Regalia Credit Card

Alternately, click here and fill the form. HDFC bank representative will contact the customer for processing the application.

Customers can also apply for the same in DAP - exclusive link for applying for CSC Small Business Moneyback Card

Customer has to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. Phone banking numbers are available on the reverse side of the card.

Customer can also log into NetBanking account and report about lost or stolen card.

In case customer recovers the card after having reported loss, it has to be cut it into 4 pieces diagonally and across the chip embedded in the card.

Customers can pay the Credit Card bill via the following options.

For details, visit https://www.hdfc.bank.in/credit-cards/services/credit-cards-bill-payment

1. Mobile Banking App

2. NetBanking

3. ATM Funds Transfer

4. Cash

5. Cheque

6. Auto-Pay

7. From a non-HDFC Bank Account