HDFC CSC Small Business MoneyBack
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Milestone benefit:Users will earn 1000 bonus reward points on an annual spend of Rs 90,000.
Cashback Rate
100 reward points = INR 20 ( 1 Rp = INR 0.2).
Users will earn 4 reward points on online spending for every INR150 spent. Effective cashback rate: 0.53%.
Users will earn 2 reward points on all other expenses except fuel for every INR 150 spent. Effective cashback rate: 0.26%.
Users will get 5% cashback on telecom, utility, govt. & tax payments. Users can avail a maximum cashback of Rs.250 per statement on monthly spends of INR 10,000.
Movie Benefits
Dining Benefits
Dining benefit.
Other Benefits
Zero lost card liability.
Lounge Access
Fees & Charges
Joining Fee
INR 250/- plus taxes.
Annual Fee
INR 250/- plus taxes.
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
Interest rate: 3.75% monthly, 45.0% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%.
Other Fees
Fuel surcharge:1% subject to a minimum transaction of INR 400 | Reward redemption fee: INR99 per redemption request.
Special Features
Low joining fee
Eligibility Criteria
The applicant must be a self-employed Indian citizen.
The applicant must be aged between 21 yrs. to 65 Years.
The applicant must have an ITR above Rs 6 Lakhs per annum.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit HDFC Bank's website: Go to https://www.hdfcbank.com/
Navigate to Credit Cards: Look for the "Credit Cards" section on the website.
Find the Card: Search for the HDFC CSC Small Business MoneyBack Credit Card.
Click "Apply Now": Submit the required details like personal information, income, and contact information.
Contact Details
Toll-Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
Account Opening and Procedure
The USP of the card is that it offers 5% cashback on telecom, utility, government and tax payment. Otherwise the card offers very limited benefits to customers.
The USP of the card is that it offers 5% cashback on telecom, utility, government and tax payment. Otherwise the card offers very limited benefits to customers.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai