What is the annual fee of the HDFC CSC Small Business MoneyBack Credit Card?

Rs 250 a year, before GST. It is waived if you spend Rs 25,000 in a year.

Which spends earn no rewards on the HDFC CSC Small Business MoneyBack Credit Card?

Rent and education earn no points; transactions under Rs 200 earn none; points reversed on SmartEMI conversion

M16S / HDFC Bank / HDFC CSC Small Business MoneyBack Credit Card

entry · business, cobrand, rewards

HDFC CSC Small Business MoneyBack Credit Card

HDFC Bank · with CSCLast checked 31 Oct 2026closed to new applicants

The HDFC CSC Small Business MoneyBack Credit Card costs Rs 250 a year, waived if you spend Rs 25,000 in a year. Its base return is 0.2%. Read from the issuer's own documents on 31 Oct 2026.

Annual fee: Rs 250+ GST
Fee waived at: Rs 25,000annual spend
Base return: 0.2%
Forex markup: —
Interest: 3.75%a month

Fees

Joining fee	Rs 250
Annual fee	Rs 250
Annual spend that waives the fee	Rs 25,000
Fee notes	Joining/renewal fee Rs 250 + taxes; renewal fee waived on Rs 25,000 spend in 12 months.

Rewards

Welcome benefit	Zomato Gold membership on Rs 75,000 spend within the first 3 months (page FAQ, for new customers from 1 Sep 2019; may be outdated)
Reward currency	Reward Points
Base earnunverified	2 RP per Rs 200 on other spends except fuel (page headline; FAQ says per Rs 150)
Base returnunverified	0.2%
Point value	100 RP = up to Rs 20 cashback against statement (Rs 0.20 per RP)
Accelerated earn	4 RP per Rs 200 on online spends; 5X Reward Points on fuel; 5% cashback on business essentials (telecom, electricity, government/tax, railway, hotels and dining, taxi)
Caps	Fuel 5X capped at 1,000 points a month; 5% cashback capped at Rs 250 per statement and needs Rs 10,000 monthly spend; grocery 1,000 RP/month; UPI on RuPay 500 RP per calendar month; insurance 2,000 RP per transaction; travel redemption 50,000 RP/month; max 5 redemptions per calendar month from 1 Feb 2026
Spends that earn nothing	Rent and education earn no points; transactions under Rs 200 earn none; points reversed on SmartEMI conversion
Points expiry	2 years
Milestone benefits	1,000 bonus Reward Points on Rs 90,000 annual spend
Reward notes	Base return = 2 RP/200 x Rs 0.20 = 0.20%, both stated on the issuer page (0.27% if the FAQ's per-Rs-150 rate applies). Redemption fee Rs 99 per request; minimum 2,500 RP for statement redemption.

Travel and perks

Fuel surcharge waiver	1% on txns of Rs 400 and above, cap Rs 250 per statement cycle
Other freebies	Swiggy Dineout discount (page says flat 10% extra in one place, up to 20% in another); up to 50 interest-free days; EasyEMI offers

Charges and eligibility

Interest per month	3.75%
Eligibility	Closed to new applicants. Page still lists: self-employed, Indian, age 21-65, annual ITR above Rs 6 lakh.
Fine-print notes	Legacy business card: 'The sourcing of this card has been discontinued.' All fields from the HDFC product page read 2026-10-12. The page gives the earn rate per Rs 200 in its headline and per Rs 150 in its FAQ. Page does not expand 'CSC'. Forex markup, interest and networks (Visa/Mastercard and RuPay are mentioned in passing) are not stated. A changes notice effective 15 May 2026 is linked but was not read.

Questions

What is the annual fee of the HDFC CSC Small Business MoneyBack Credit Card?: Rs 250 a year, before GST. It is waived if you spend Rs 25,000 in a year.
Which spends earn no rewards on the HDFC CSC Small Business MoneyBack Credit Card?: Rent and education earn no points; transactions under Rs 200 earn none; points reversed on SmartEMI conversion