HDFC Bank MoneyBack+ Credit Card
Updated on September 17, 2026
🎖️Reward Rate
2 CashPoints on every ₹200 spent (base)
Overview
HDFC Bank MoneyBack+ Credit Card by HDFC Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • 2 CashPoints on every ₹200 spent (base)
- • 10X CashPoints (up to 2.5% valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket
- • 5X CashPoints on EMI spends at merchant locations
Welcome Benefit
Pay your joining membership fee and get 500 Reward Points
Milestone Benefit
Gift Voucher worth ₹500 on spends of ₹50,000 per calendar quarter
Redemption
- • Cashback: 1 CashPoint = ₹0.2
- • Product Catalogue / SmartBuy (flights/hotels): 1 CashPoint = up to ₹0.25
- • Airmiles: 1 CashPoint = 0.25 airmiles
- • Minimum ₹500 equivalent CashPoints required for statement redemption
- • Flights/hotels covered up to 50% of booking value via CashPoints, capped at 3,000 CashPoints/month
- • Product/voucher redemption capped at 70% of value
- • Unredeemed CashPoints lapse after 2 years
Benefits
- Card may be cancelled for continuous inactivity of 6 months, after prior written notice
- Fuel surcharge waiver of 1% on transactions between ₹400-₹5,000, capped at ₹250/statement cycle
- Additional 10% off on Swiggy Dineout using coupon code HDFCCARDS
- Interest-free period of up to 50 days
- SmartEMI option for big spends
- Zero Lost Card Liability on reporting to the 24-hour call centre
Things to Know Before you apply
HDFC Bank MoneyBack+ Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: net monthly income above ₹20,000; Self-employed: ITR above ₹6 Lakh per annum
- Salaried, Self-Employed
- Resident Indian
HDFC Bank MoneyBack+ Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: +91 22 6160 6161
- Concierge Service: customerservices.cards@hdfcbank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹50,000 or more in a year, before renewal date, to waive the renewal fee
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
HDFC Bank MoneyBack+ Credit Card issued by HDFC Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 CashPoints per ₹150 (2 CashPoints per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Pay your joining membership fee and get 500 Reward Points
- • Welcome Benefit: Amazon.in e-Gift Card worth ₹500 on payment of Annual Fee (no spend condition shown)
- • Complimentary activation bonus upon fee payment
- • 2 CashPoints on every ₹200 spent (base)
- • 10X CashPoints (up to 2.5% valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket
- • 5X CashPoints on EMI spends at merchant locations
- • Base Reward Rate (offline): Not shown on pages reviewed (SBI 'Rewards' tab captured only shows Milestone/E-Shopping sections)
- • Cashback offers on the Amex variant have been revoked effective from 01 Jan 2025.
- • Customers can avail upfront offers while booking tickets on BookMyShow by following the steps below-
- • Base Rewards: 2 CashPoints per ₹150 (2 CashPoints per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on offline retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Cashback offers on the Amex variant have been revoked effective from 01 Jan 2025.
- • Customers can avail upfront offers while booking tickets on BookMyShow by following the steps below-
- • High value reward program
- • Wide merchant acceptance
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified