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HDFC launch Business Moneyback RuPay credit card

Finance Ninja

HDFC launch Business Moneyback RuPay credit card:


Key Features
  • Earn 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (T&C apply)
  • Earn 2 Reward Points on all other retail spends (excluding wallet, emi and petrol) for every Rs. 150 spent
  • Make all Vendor/supplier bill payments and GST payments using HDFC Bank Business Moneyback Credit Card and get upto 50 days of free credit period
  • Bonus 2,500 Reward Points on Rs. 1.8 lakhs spends in an anniversary year.
  • Redeem your reward points as cashback against statement (T&C apply)
  • Get 5X Reward Points on Fuel (Maximum 1000 points in a month) in the first year (Refer T&C)
Benefits for your Business
  • Up to 50 days interest free credit period​​​​​​​
  • HDFC Bank Merchants can now use the SmartHub app to make their vendor and distributor payments through a single app
    * Convenient and instant payments
    * Upto 50 days credit period for payments made via Business Credit Card
    * Easy reconciliation of payment & invoices
    * Make GST payments
  • Get Pre-approved instant loans and Cash withdrawal facility on your Business Credit Card
  • Convert all your big spends into EMI after purchase
  • Buy interiors, furnitures, electronics, ACs and more in bulk for your business with Easy EMI options on your Business Credit Cards.
Additional Features
  • Utility Bill Payments : Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily. Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay.For more details click here:-
Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India
(on minimum trasaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹250 per statement cycle)

Dining Benefits

Enjoy amazing dining benefits with Good Food Trail program

Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20,000+ restaurants),

Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.
Click here for more details
Refer T&C

Milestone Benefit

Earn Bonus 2,500 Bonus Reward Points when you spend Rs. 1.8 lakhs in the anniversary year.
*T&C Apply

Renewal Offer

Renewal fee waived off if you spend Rs.50,000 and more in the previous year​​​​​​​

Reward Point/CashBack Redemption & Validity

Reward Point Redemption:

  • Reward Points accumulated on HDFC Bank Business MoneyBack Credit Card can be redeemed for cashback against statement (100 Reward Points = Rs. 20). For redemption against statement balance, Cardholder must have minimum 2500 Reward Points
  • Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate.

    > Airmiles conversion through netbanking at a value of 1RP = 0.25 airmile

> Products and Vouchers via Product calatologue on Netbanking 1 RP = upto Rs 0.25

> Redeem as cashback against statement at a value of 1 RP = Rs 0.20

Click Here to know more

  • Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.
  • Reward Points earned on your HDFC Bank MoneyBack Credit Card are valid only for 2 years from the date of accumulation.

    For T&C, click here

​​​​​​​With effect from 1st January 2023:

  1. Rent payment and Education related transactions will not earn reward points.
  2. Reward points earned on Grocery transactions will be capped to 1,000 per month.
  3. Redemption of Travel Reward Points will be capped at 50,000 points per month.


  • Joining/Renewal Membership Fee – Rs. 500/- plus Applicable Taxes
  • Click here to view details of HDFC Bank Business MoneyBack Credit Card Fees and Charges

You can also Conversion Business Moneyback Visa/mastercard to Business Moneyback RuPay Credit card -

Just send a mail to - [email protected]

[email protected]

[email protected]

[email protected]

Note - if your HDFC bank Visa/mastercard credit card is life time free then the same variant RuPay credit card will also be life time free or if you change your existing life time free Visa/mastercard credit card to RuPay then your new RuPay variant card comes by default life time free.


Read also -

HDFC launch (CSC) Small Business Moneyback RuPay Credit Card -
HDFC Launch RuPay Moneyback+ Credit card -
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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Savings Mentor Savings Mentor
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I wish they would launch Millennia credit AND debit cards too on RuPay. I got my Neu Plus RuPay converted to LTF otherwise was gonna change my LTF Business MoneyBack to RuPay as well using MyCards. But due to hopes of upgrade to Millennia in next 6 months, I have kept it still on MasterCard.

Deal Lieutenant Deal Lieutenant
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How you converted NuePlus Rupay card to LTF?

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Deal Cadet Deal Cadet
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Is Rupay variant available for HDFC Money back credit card? 

Deal Cadet Deal Cadet
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The PostMighty The PostMighty
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Great news abhishek bro...request has been already placed for the conversion.

Thanking you..

Deal Newbie Deal Newbie
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Can anyone tell me which variant is more beneficial

Please neglect the benefit of linking rupay cc on upi in my case

Finance Ninja Finance Ninja
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Tata Neu Infinity RuPay credit card or RuPay Regalia credit card.
Helpful Helpful
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I have applied for conversion of business Moneyback to rupay, they have dispatched it too.

The PostMighty The PostMighty
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Please share us the image of the card when you received.For the RuPay varient confirmation if possible.Obviously,please hide the numbers.

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The PostMighty The PostMighty
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Everytime i ask to give RuPay varient.These Hdfc executive and their email support is denying always to give RuPay varient.Don't know why.

Helpful Helpful
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Will i be able to use this business card for all the rupay offers like current reliance smart. Or rupay also excludes business cards from offers?

Finance Ninja Finance Ninja
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HDFC bank offers - Yes working everywhere, infact HDFC Visa business moneyback credit card is not working on some HDFC-Amazon discount offers, Amazon gift card purchase from Amazon etc but HDFC RuPay business Moneyback variant currently working.

RuPay credit card offers - 99% offers working. Very few offers I've seen exclude for business cards. Reliance offer is eligible.

The PostMighty The PostMighty
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Offer me only 1 year free RuPay varient where as having LTF.Very dissappointed by the HDFC bank response given to me.Seems not to be interested to give RuPay.

We wish to reiterate that on receipt of the same we have taken a detailed review with the concerned department and we wish to clarify that recommended Business Moneyback Rupay variant as first year free card. Hence, we request you to revert to us with your confirmation on the same to review your request.

Placed request for the closer of my card.

Finance Ninja Finance Ninja
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What's the link with RuPay or LTF ?

If you ask for Bussiness Visa variant then you will also get first year Free card.

If you already have Bussiness Visa variant LTF card then you card remain LTF after conversion to Business RuPay.

There is no link between RuPay and LTF cards.

The PostMighty The PostMighty
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They are playing a trick with me to.So that i do not move on RuPay varient.Don't know why they are doing.

Finance Ninja Finance Ninja
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You already have LTF Bussiness Visa moneyback variant ? if yes then you will get LTF business RuPay moneyback.
The PostMighty The PostMighty
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Yes bro..and talking to executive from 20min and they are just rotating me here and there.

Not closing my card and not giving me RuPay varient.Fedup now.

Finance Ninja Finance Ninja
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Talk to any other executive or complaint through HDFC twitter handle.
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Deal Newbie Deal Newbie
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abhi, on request are they converting to rupay 

Finance Ninja Finance Ninja
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The PostMighty The PostMighty
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Not converting...telling me to convert after 3 or 6 month. sweat

Hence,request to close my card.

Savings Mentor Savings Mentor
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For those who got the RuPay version of HDFC Business MoneyBack, does it give ANY reward points on UPI transactions?

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