The HDFC Business MoneyBack Visa has a ₹500 annual fee (waived on ₹50,000 annual spend), earns 2 Reward Points per ₹200 on Retail and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹50,000 annual spend |
| Base rewards | 2 Reward Points per ₹200 on Retail |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the HDFC Bank Business Moneyback Credit Card Visa
Is the HDFC Bank Business Moneyback Credit Card Visa worth it in 2026?
Yes, the HDFC Bank Business Moneyback Credit Card Visa is worth it in 2026 for business users who spend regularly. With a joining and renewal fee of Rs.500 each, you can earn 2 Reward Points per Rs.200 spent and get a renewal fee waiver by spending Rs.50,000 annually.
Who should get the HDFC Bank Business Moneyback Credit Card Visa?
This card is ideal for small business owners and entrepreneurs who have consistent expenses on insurance, retail, grocery, and online spends. It suits users looking to earn reward points on everyday business and personal purchases.
How to maximise rewards on the HDFC Bank Business Moneyback Credit Card Visa?
To maximise rewards, focus on spending on insurance, retail, grocery, and online purchases where you earn 2 Reward Points per Rs.200. Additionally, aim to spend Rs.1.8 Lakhs annually to earn 2,500 bonus reward points.
What purchases give the best value on the HDFC Bank Business Moneyback Credit Card Visa?
The best value comes from insurance payments, online spends, retail, and grocery purchases, all earning 2 Reward Points per Rs.200. These categories help you accumulate points faster and unlock bonus rewards.