HDFC MoneyBack Credit Card
HDFC bank HDFC Bank

HDFC MoneyBack Credit Card

cat name Reward Points
cat name Cashback

Best Suited For: Rewards & Cashback

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500* Plus Applicable Taxes

cat name Reward Points
cat name Cashback

Best Suited For: Rewards & Cashback

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500* Plus Applicable Taxes

Best Features:- 4 reward points on every Rs. 150 spent online

credit score

The HDFC MoneyBack Credit Card is a great entry-level option for anyone looking to earn cashback on their purchases. Perfect for online shoppers, this card offers higher rewards on online transactions, making it an ideal choice for those who shop frequently on the internet. With a low joining fee and great benefits, it’s a good starting point for your credit journey. You get 4 reward points for every Rs. 150 spent online and 2 reward points for every Rs. 150 spent on other purchases. The card has a joining fee of Rs. 500 and an interest rate of 3.49%. You also receive 500 cash points every year as a welcome and renewal benefit, and the renewal fee can be waived based on your annual spending.

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All You Need To Know

Card Type

Rewards & Cashback

Welcome Benefit
  • 500 Cash Points as a welcome benefit after paying the membership fee.
Reward Points
  • Earn up to 4 reward points for every Rs. 150 spent.
  • 2 reward points per Rs. 150 on all transactions.
  • 4 reward points per Rs. 150 spent on online transactions.
  • Convert reward points into cashback: 1 reward point = Rs. 0.20.
  • Minimum 2,500 points required to redeem against the outstanding balance (redeemable in multiples of 500).
Reward Redemption
  • Cashback: Convert points into cashback (100 points = ₹20, minimum redemption amount of ₹500).
  • Gift Vouchers: Spend ₹50,000 per calendar quarter to receive gift vouchers worth ₹500.
Fuel Benefits
  • 1% Fuel Surcharge Waiver: On fuel transactions of Rs. 400 to Rs. 5,000, with a maximum waiver of Rs. 250 per billing cycle.
Annual Spend-based Benefit
  • Spend Rs. 50,000 or more in a calendar quarter to earn Rs. 500 worth of gift vouchers.
Renewal Offer
  • Waive off the renewal membership fee by spending Rs. 50,000 in the first year.
Zero Lost Card Liability
  • Get zero liability on fraudulent transactions if the card loss is reported immediately.
Additional Benefits
  • EMI Option: Convert purchases into easy EMIs.
  • Mini Milestone Benefit: Spend ₹50,000 in a quarter to receive an e-gift voucher worth ₹500.

HDFC Bank MoneyBack Credit Card Eligibility:

Criteria Details
Occupation Salaried or Self-employed
Minimum Income for Salaried Applicants Rs. 25,000 p.m.
Minimum Income for Self-employed Applicants ITR > Rs. 6 lakh p.a.
Documents Required Click here for the list of required documents
Serviceable Cities Click here for the list of eligible cities

Below mentioned are the fees and charges associated with this credit card:

Title Details
Joining Fee Rs. 500
Annual Fee Rs. 500
Finance Charges 3.6% p.m. (43.2% p.a.)
Late Payment Charges** For Statement Balance
  • Less than Rs. 100 – Nil
  • Rs.100 to Rs.500 – Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.600
  • Rs.10,001 to Rs. 25,000 – Rs.800
  • Rs. 25,000 to Rs. 50,000 – Rs. 1,100
  • Over Rs. 50,000 – Rs. 1,300

Apply for HDFC MoneyBack Credit Card

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FAQs

You can apply online or offline for the HDFC MoneyBack Credit Card. For online applications, please visit the HDFC Bank website, and for offline applications, visit the nearest HDFC branch to fill out the form.

The credit limit varies based on your income, age, and credit score. Typically, it ranges from ₹25,000 to ₹1.5 lakh. The exact limit is communicated after approval.

Yes, you can withdraw cash, but a fee of 2.5% of the withdrawn amount (minimum ₹500) applies. Interest charges start from the withdrawal date as no interest-free period is available for cash transactions.

You can redeem reward points via internet banking. Log in to your account, navigate to the redemption portal, and choose the option to convert points into cash. The cashback will be credited to your account within 7 working days.

Log in to HDFC's website or mobile banking app. Select the 'Cards' section and then click on 'Enquire' to view or download your statement.

Yes, you can convert large purchases into EMIs for categories like groceries, medical expenses, travel, and electronics. However, EMI conversion isn’t available for gold and jewelry purchases.

The card offers an interest-free period of 50 days from the date of purchase.

Yes, both primary and add-on cardholders get access to complementary airport lounges.

Yes, you can apply for a free lifetime add-on card for family members aged 18 or above. Add-on cards offer all the benefits of the primary card.

Please click the links below to find details and instructions related to HDFC Bank Credit Cards that can help you in easily managing your card:

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