HDFC Bank CSC Small Business MoneyBack Credit Card

HDFC Bank · Closed to new applicants

HDFC's card for CSC (Common Service Centre) operators: 4 reward points per ₹200 online and 2 per ₹200 on other spends (it was per ₹150 until 15 May 2026), 5% cashback on business essentials (telecom, electricity, government, railway, hotels, dining, taxi) up to ₹250 a statement, and 1,000 bonus points on ₹90,000 a year, for ₹250 a year waived at ₹25,000. Closed to new applicants.

Annual fee
₹250 + GST a year
Joining fee
₹250 + GST
Fee waiver
Annual fee waived on ₹25,000 spend per card year
Base rate
2 points per ₹200 on all other spends: 2 Reward Points per ₹200 (about 0.15% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 24 Oct 2026

Main earn rates

  • SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
  • 5% cashback on telecom, electricity, government/tax, railway, hotels, dining and taxi, up to ₹250 a statement: 5% in Business Savings cashback (about 5% at cash value)
  • SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)

Earns nothing on

  • No base points on fuel, wallet loads or EasyEMI
  • No points on rent or education payments (from 1 January 2023)
  • No points on online skill-based gaming (from 1 July 2025)

Where the sources disagree

  • points basis: The product page's benefits section says "On every ₹200 Spent - 4 Reward Points on online spends | 2 Reward Points on all other spends", and HDFC's 15 May 2026 mailer moved this card to multiples of ₹200; the page's FAQ and redemption notes still describe ₹150. The ₹200 basis is used from 15 May 2026 and the ₹150 basis is kept for earlier spends.
  • reward point value and redemption minimum: The page FAQ says 100 reward points = ₹20 and a minimum redemption amount of ₹2,500; the redemption form gives "Upto Re. 0.20" with a minimum of 1,665 points (₹250), and MITC v4.15 gives 15 paise a point for Business Money Back from 1 November 2025 and a ₹250 minimum for CSC Business Moneyback. ₹0.15 and ₹250 are used.

Terms the calculator does not value

  • The card is closed to new applicants; the calculator values it as if issued today. HDFC gives no closing date.
  • The 5% Business Savings cashback needs at least ₹10,000 of spend in the month; the calculator assumes it is met (see the rule's requires).
  • From 1 February 2026 points can be redeemed at most five times a calendar month (page FAQ). The FAQ's Zomato Gold welcome benefit ("valid for new customers from Sep 1, 2019", on ₹75,000 in 3 months) is not valued.
  • "5X Reward Points on Fuel (maximum 1000 points in a month)" is not modelled: the page does not say what 5X is measured against, and the MITC says reward points are not accrued on fuel for many cards.
  • The page caps UPI spends on a RuPay variant at 500 points a month and insurance spends at 2,000 points per transaction; neither is modelled (no network is stated).

Sources

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