# HDFC Bank Business Moneyback Credit Card Visa

**Best for:** Frequent online shoppers and insurance buyers

**Think twice if:** Low spenders or infrequent credit card users

**Key strengths:** Earn 2X Reward Points on online spends · Bonus points for high annual spending · Welcome benefit of Rs.800 E-Vouchers

## Fees

- **Joining Fee:** Joining Fee of Rs.500
- **Annual Fee:** Renewal Fee of Rs.500
- **Fee Waiver:** Spend Rs.50000 For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 2 Reward Points per Rs.150 on Insurance
- **Welcome Benefit:** Get Rs.800 E-Vouchers under Smartpay
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- **Milestone Benefits:** Array

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