HDFC MoneyBack+ Credit Card
HDFC bank HDFC Bank

HDFC MoneyBack+ Credit Card

cat name Reward Points
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Best Suited For: Rewards

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500* Plus Applicable Taxes

cat name Reward Points
cat name Shopping

Best Suited For: Rewards

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500* Plus Applicable Taxes

Best Features:- 10X CashPoints on Amazon, Swiggy, BigBasket, Reliance Smart SuperStore & Flipkart

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The HDFC MoneyBack Plus Credit Card is an upgraded version of the original HDFC MoneyBack card. It offers better rewards with up to 10X (20) CashPoints for every ₹150 spent on partner brands like Amazon, Flipkart, Swiggy, and BigBasket. These CashPoints can be redeemed for statement balance, products, or Airmiles. The card also offers dining discounts of up to 20% at over 2,000 premium restaurants across the country, along with other benefits like fuel surcharge waiver and spend-based annual fee waiver. It’s a great entry-level card for those who want more value from everyday purchases.

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All You Need To Know

Card Type

Rewards

Enhanced Reward Points
  • Earn 10X CashPoints per ₹150 spent at:
    • Flipkart
    • Amazon
    • Swiggy
    • Big Basket
    • Reliance Smart SuperStore
  • Earn 2 CashPoints per ₹150 spent on other retail purchases (excluding fuel, wallets, and vouchers).
Welcome Gift
  • Receive 500 CashPoints as a welcome benefit upon card activation.
Dining Benefits
  • Save up to 15% at over 2,000 premium partner restaurants across India.
Spend-Based Rewards
  • Spend ₹50,000 or more in a year and receive:
    • ₹500 gift voucher.
    • Waiver of the annual renewal fee.
Fuel Surcharge Waiver
  • 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle).
Lost Card Liability Protection
  • Protects you from unauthorized transactions in case of card loss, provided it is reported promptly.
EMI Conversion Option
  • Convert large one-time purchases into easy, low-interest EMI options.
Rewards Structure
Spending Category Reward Points
Purchases on Flipkart, Amazon, Swiggy, Big Basket, and Reliance Smart Store 10X CashPoints/₹150
Other Retail Purchases 2 CashPoints/₹150
Reward Redemption
  • CashPoints can be redeemed in multiple ways:
    • Cashback: 1 CashPoint = ₹0.20.
    • Purchase of products, flight/hotel bookings via SmartBuy, or conversion to partner airlines' AirMiles.
Additional Details
  • Interest-Free Credit Period: Up to 50 days.
  • Zero Annual Fee Option: Spend ₹50,000 or more annually to waive the ₹500 annual fee.

HDFC Bank MoneyBack+ Credit Card Eligibility:

Criteria Details
Age Requirement Min. 21 years to Max. 60 years (Max. 65 years for self-employed)
Minimum Income
  • For Salaried: Rs. 20,000 p.m.
  • For Self-employed: ITR > Rs. 6 lakh p.a.
Documents Required Click here for the list of documents

Below mentioned are the fees and charges applicable to HDFC Bank MoneyBack+ Credit Card:

Fee Type Details
Joining Fee Rs. 500
Annual / Renewal Fee Rs. 500 (Waived off on spending Rs. 50,000 or more in a year)
Finance Charges 3.6% p.m. (43.2% p.a.)
Over limit charges 2.5% of the over-limit amount (minimum Rs.500)
Payment return charges 2% of payment amount (minimum Rs.450)
Cash processing fee Rs. 100
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. 25,001 to Rs. 50,000 – Rs. 1,100
  • More than Rs. 50,000 – Rs. 1,300
Reissue of lost, stolen or damaged card Rs.100
Interest rate 3.49% per month
Foreign currency transaction fee 3.5%
Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit 40% of the credit limit
Rewards redemption fee Rs.99 per request

Apply for HDFC MoneyBack+ Credit Card

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FAQs

The maximum CashPoints you can earn in a month is capped at 2,500. This applies to transactions eligible for 10X CashPoints on selected brands and 5X CashPoints on EMI spends.

Yes, you can withdraw cash with your HDFC MoneyBack+ Credit Card. but the bank charges a cash advance fee of 2.5% of the withdrawn amount or a minimum of ₹500 (whichever is higher) applies.

Yes you can get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. The maximum waiver you can earn in a statement cycle is ₹250.

You can apply online via HDFC Bank's official website or offline by visiting any HDFC Bank branch and filling out an application form.

The maximum credit limit for the HDFC MoneyBack+ Credit Card can go up to ₹1.5 lakh, based on factors like your income and credit history.

Yes, upon renewal, you receive a bonus of 500 CashPoints.

The MoneyBack Plus Credit Card is an updated version of the MoneyBack Credit Card. The original MoneyBack card is no longer issued by the bank.

If you lose your card, immediately block it by calling HDFC Customer Care or by logging into your NetBanking account to report it as lost.

You can reach HDFC customer care 24/7 at 1800-266-4332 or email your queries to customerservices.cards@hdfcbank.com.

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:

Check if you are eligible for the HDFC MoneyBack+
Credit Card on mybankingtips.com

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