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What's in store for you

Are you ready for some exciting benefits and deals?

Exclusive Benefits

  • 4 Reward Points on every ₹150 spent online and 2 Reward Points on other expenses (except Fuel)

Milestone Benefits

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

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Explore these additional benefits

Wondering if you are eligible for this card?

For Self Employed Indian National

  • Age: Minimum: 21 years, Maximum: 65 years
  • Income: Annual ITR > ₹6 lakh
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Documents required to get you started

Documents required for the Accounts Payable Program

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

Fees and Charges

Know more about the joining/renewal fees and other charges here.

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How to apply for a Credit Card?

Apply for a Credit Card online in 3 simple steps

  1. Provide your personal details.
  2. Select the Credit Card best suited for you.
  3. Upload your documents and submit.

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Know more about the card

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 = ₹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 ₹150 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
Redemption Value

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.
 
Redemption Limit

CashBack Validity

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

Smart EMI

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

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

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.
Zero Cost Card Liability

Revolving Credit

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

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
EMV Chip Cards

Card Management and Control

MyCards, a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of your HDFC Bank CSC Small Business MoneyBack Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration and Activation
  • Set up Card PIN
  • Manage Card Controls like Online Spends, Contactless Transactions, etc.
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Card
  • Apply for an Add-on Card, manage, set PIN and card controls for Add-on card
Card Management and Control

Frequently Asked Questions

Yes, The HDFC Bank CSC Small Business MoneyBack Credit Card can be applied by a self-employed Indian Citizen aged between 21 years to 65 years with an annual ITR above ₹6 lakh.

The HDFC Bank CSC Small Business MoneyBack Eligibility criteria:

  • A Self-employed Indian Citizen aged between 21 years. to 65 years.
  • Annual ITR above ₹6 lakh.

The HDFC CSC Small Business Moneyback Credit Card offers numerous benefits tailored for small business owners. Earn rewards on transactions, cashback on dining, fuel, and utilities, milestone rewards, fuel surcharge waivers, travel perks, contactless payments, zero liability on lost cards, and easy access to credit.

The credit limit and cash withdrawal limit for Card members are determined solely by HDFC Bank, with Add-on Card members sharing the same limit. These limits are communicated to Card members upon card delivery and in their monthly statements.

The HDFC Bank CSC Small Business MoneyBack Eligibility criteria:

  • A Self-employed Indian Citizen aged between 21 years. to 65 years.
  • Annual ITR above ₹6 lakh.

The HDFC Bank CSC Small Business MoneyBack Credit Card is an excellent card that lets you earn generous rewards on your everyday business expenses. For every ₹150 spent on e-commerce purchases, you earn four reward points, while other retail spends get you two reward points.