Compare HDFC Business MoneyBack Credit Card vs HDFC Bank Biz Grow Credit Card

Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
Use HDFC Bank Business Moneyback Credit Card for Vendor/supplier and GST payments and enjoy up to 50 days of interest-free credit period
Earn 2,500 Bonus Reward Points on spends of Rs. 1.8 lakhs or more within your anniversary year
Redeem reward points as cashback against the statement
Get 5X Reward Points on Fuel with a maximum 1000 points per month in the first year
Do note that effective 1st October 2023, 5X RP on fuel transactions will be discontinued
Up to 50 days interest-free credit period
Avail 5% Monthly Cashback on Business Essential Spends such as electricity bills, telephone and internet bills, Government and Tax Payments
Get up to Rs.250 cashback per statement with a minimum monthly spend of Rs.10,000. This offer is applicable only in the first year
Get 5% cashback on GST payments using Business Credit Card. Offer valid only for the first year after card issuance
Avail up to 4 Reward Points on every Rs. 150 spent for business payment, redeem reward points to pay credit card bill
Register your credit card with SmartPay, HDFC Bank's utility bill payment service, and ensure that your utility bills are paid on time, conveniently and easily. You can get an assured cashback of up to Rs. 1800 in the first year, as well as exciting e-vouchers worth up to Rs. 800 for adding two or more bills on Smart Pay
Zero Lost card liability
Enjoy Revolving Credit at a nominal interest rate
1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000
Experience wonderful dining benefits with the Good Food Trail program
Save up to 20% on your restaurant bills at 20,000+ restaurants with Swiggy Dineout. This offer includes discounts from both the restaurant and Swiggy. Valid only for payments made through the Swiggy app
Milestone Benefit: Earn Bonus 2,500 Bonus Reward Points when spending Rs. 1.8 lakhs in the anniversary year
Renewal Offer: If you spent Rs.50,000 or more in the previous year, your renewal fee will be waived off
Convert big spends into EMI after purchase
The HDFC Bank Business Moneyback Credit Card is equipped with contactless payment technology for added convenience and speed

Card Activation Benefit: Avail a Gift voucher worth Rs. 250 on making one transaction on the Biz Grow Credit Card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy & more
Milestone Benefits: Obtain 2000 CashPoints every quarter on quarterly spends of Rs. 1,00,000.  (On all retail spends excluding rent and petrol). Redeem CashPoints against statement. (Earn 1 CashPoint = Upto Rs.0.25)
Spend Rs. 1 Lakh in an anniversary year (12 billing cycles) to get Renewal Fee waived for next renewal year
Up to 55 days Interest Free Credit Period
Earn 2 Cash Points on every Rs.150 spent for your business needs
Earn 10X Cash Points on selected Business spends such as:

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in

3. GST payment via payment.gst.gov.in

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei

6. Dmart

7. Cleartax

Note: 10X Cash Points applicable on minimum spends Rs. 10,000 in statement cycle

Maximum 1,500 Cash Points per statement cycle

Make GST payment using Business Credit Card:  Via GST portal: payment.gst.gov.in
Pay Income Tax/ Advance Tax using Business Credit Card (eportal.incometax.gov.in)
SmartBuy BizDeals:

Avail up to 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business

1. Business Travel Benefits via MMT MyBiz :

- 4% off on Flights and Hotels booking

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation  

2. Business Productivity Tools via – Nuclei :

- Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more

- Get GST Invoice for availing Input Tax Credit 

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000)
Dining Benefits: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
SmartPay, an automatic payment facility available on the Credit Card to pay your utility bills, gives assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
Convert big spends into EMI after purchase
Easy EMI: Choose EMI option for large online or in-store purchases using Biz Grow Credit Card and avail easy repayments using Easy EMI
Zero Lost card liability
Credit liability cover: Rs. 3 Lakh
Business Insurance Benefit: Secure a Business with specially curated Business Insurance package:

- Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes:

a. Fire & Burglary insurance for Shop up to Rs. 5 Lakhs

b. Cash in Safe/Transit up to Rs.25,000

c. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

d. Hospital Cash: Accident only amount payable per day up to Rs. 1000

e. Hospital Cash: Illness only amount payable per day up to Rs. 1000

Do note that the cardholders have the option to pick higher Business Insurance cover as per their Business need

A minimum of 2500 CP is required to redeem CashPoints against statement balance
Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit
With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card
The maximum 15,000 CashPoints can be earned in a statement cycle
Unredeemed Cash Points will expire/lapse after 2 year of accumulation