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HDFC Bank

HDFC Bank CSC Small Business MoneyBack Credit Card

CSC Small Business MoneyBack Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Source-traced to issuer Verified 2026-08-05

Fees & welcome

Joining fee

₹250 (Joining / Annual membership fee).

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Annual / renewal fee

₹250 (Annual membership fee).

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Fee waiver

Annual membership fee / renewal charges for next year waived on minimum spend of ₹25,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Earn rates

  • Reward Points earned in multiples of ₹150 (revised to multiples of ₹200 w.e.f 15th May 2026, at 2 base reward points per ₹200 spent for CSC Business Moneyback).
  • Product features: 5% CashBack on Business Essential Spends (like electricity bills, telephone and internet bills, Government and Tax Payments).

Verified · CSC Small Business MoneyBack Credit Card product page · 2026-08-05 · source

Fees & charges

Interest-free period

  • Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
  • Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Fuel

Fuel surcharge waiver

  • 1% fuel surcharge waiver, waived for transactions between ₹400 to ₹5,000 (waiver capped at ₹250 every billing cycle).
  • GST on fuel surcharge not reversed.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Rewards

Redemption value

  • Reward Points credited as CashPoints, redeemable against statement balance at 100 Reward Points = up to ₹20.
  • Minimum redemption 2,500 Reward Points.
  • Rewards Redemption Fee ₹99 per redemption request.
  • Reward Points valid for 2 years from date of accumulation.

Verified · CSC Small Business MoneyBack Credit Card product page · 2026-08-05 · source

Reward cap

  • Reward Points accrued for insurance transactions capped at 2,000 per day.
  • Grocery transactions capped at 1,000 Reward Points per month.
  • Utility transactions capped at 2,000 Reward Points per calendar month (w.e.f 1 Sep 2024).
  • Telecom transactions capped at 2,000 Reward Points per calendar month.
  • Credit Card purchases via UPI mode earn up to a maximum of 500 points in a calendar month.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Reward exclusion

  • Rent payments earn no Reward Points/CashPoints (w.e.f 1 Jan 2023).
  • Government related transactions DO earn Reward Points on CSC small business moneyback.
  • Education related transactions do NOT earn Reward Points/CashPoints on CSC small business moneyback.
  • EasyEMI and e-wallet loading transactions do not accrue Reward Points.
  • Reward Points reversed if a retail transaction is converted into SmartEMI.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025 · 2026-08-05 · source

Eligibility

Eligibility

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

Verified · CSC Small Business MoneyBack Credit Card product page · 2026-08-05 · source

Official terms

Official terms

https://www.hdfc.bank.in/business-credit-cards/csc-small-business-moneyback-credit-card.

Verified · CSC Small Business MoneyBack Credit Card product page · 2026-08-05 · source

Official sources

Official issuer pageMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (includes CSC Small Business MoneyBack), updated March 2025

Verified 2026-08-05 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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