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Last updated: 01-06-2026
HDFC Bank MoneyBack+ Credit Card
HDFC Bank

HDFC Bank MoneyBack+ Credit Card

"Best entry HDFC card โ€” 10X CashPoints on Amazon, Flipkart, Swiggy and BigBasket for just โ‚น500 per year"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST (often LTF for select customers)
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น50,000 or more in a membership year
๐ŸŽฏ Best Suited For
First-time card users and online shoppers who buy regularly on Amazon, Flipkart, Swiggy, BigBasket or Reliance Smart SuperStore; entry point into HDFC's rewards ecosystem
๐ŸŽ Reward Type
CashPoints (1 CP = โ‚น0.25 for statement credit; redeemable for travel on SmartBuy, vouchers, products)
๐ŸŽ‰ Welcome Benefit
500 CashPoints on payment of joining fee; 500 CashPoints on renewal each year
๐Ÿ’ฐ Reward Rate
10X CashPoints (20 CPs per โ‚น200) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore โ€” capped at 2,500 CPs per calendar month; 2 CPs per โ‚น200 on all other eligible retail spends including UPI on RuPay variant; excludes fuel, wallet reload, EMI, rent, government transactions
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
๐Ÿ’ต Cashback Rate
10X CashPoints = 2.5% value back on 5 partner brands; 0.3% on other spends
โญ Rate this Card
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โœ… Pros
  • 10X CashPoints on 5 top daily-use platforms
  • Low โ‚น500 annual fee โ€” often offered lifetime free
  • Easy โ‚น50,000 annual fee waiver condition
  • Quarterly โ‚น500 gift voucher milestone
  • RuPay variant earns CPs on UPI payments too
  • Solid entry point into HDFC SmartBuy ecosystem
โŒ Cons
  • No airport lounge access
  • High forex markup 3.5%
  • Low base rate 0.3% on non-partner spends
  • 10X capped at 2,500 CPs per month across partner brands
  • CashPoints value โ‚น0.25 per point is average
  • Upgrade to Millennia for significantly better cashback

๐ŸŽ Rewards & Benefits

Reward Type
CashPoints (1 CP = โ‚น0.25 for statement credit; redeemable for travel on SmartBuy, vouchers, products)
Welcome Benefits
500 CashPoints on payment of joining fee; 500 CashPoints on renewal each year
Reward Rate
10X CashPoints (20 CPs per โ‚น200) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore โ€” capped at 2,500 CPs per calendar month; 2 CPs per โ‚น200 on all other eligible retail spends including UPI on RuPay variant; excludes fuel, wallet reload, EMI, rent, government transactions
Reward Redemption
HDFC NetBanking: statement credit (1 CP = โ‚น0.25; minimum 500 CPs); SmartBuy flights and hotels (up to 50% of booking; max 50,000 CPs/month); vouchers up to 70% of value; Airmile conversion available
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น50,000 annual spend
Milestone Benefits
โ‚น500 gift voucher (BigBasket/BookMyShow/Uber/Pizza Hut/PVR) on spending โ‚น50,000 in a calendar quarter; maximum โ‚น2,000 in vouchers per year
Other Benefits
โ‚น200 off on dining at 2,000+ restaurants via Swiggy Dineout (minimum order โ‚น2,000); Smart EMI conversion; contactless payments; UPI rewards via RuPay variant (2 CPs per โ‚น200); 500 CPs on renewal

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on unauthorized transactions after immediate reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
10X on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart; quarterly โ‚น500 gift voucher; Dineout โ‚น200 off

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST (often LTF for select customers)
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น50,000 or more in a membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding amount slab
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
CashPoints valid 2 years; 10X capped at 2,500 CPs per month; grocery CPs capped at 1,000 per month; 1% convenience fee on utility bills above โ‚น50,000 (effective May 2026)

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; net monthly income โ‚น25,000+ (salaried) or ITR โ‚น6L+ (self-employed); Indian resident; good credit history
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Typically โ‚น30,000 to โ‚น3 lakh based on income

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on purchases above โ‚น2,500; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app or customer care
Instant Fraud Alerts
SMS and email alerts on every transaction
Purchase Protection
Zero liability on immediate reporting
Virtual Card Numbers
Virtual card via HDFC Bank app
Zero Liability Protection
Zero liability on fraudulent transactions after immediate reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via HDFC iMobile app and website
Mobile App
HDFC Bank iMobile / MyCards app: manage card, track CashPoints, pay bills, EMI
Online Banking
Full management via HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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