HDFC Bank MoneyBack+ Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 2 CashPoints per ₹150 (2 CashPoints per ₹150 on retail spends)
Overview
HDFC Bank MoneyBack+ Credit Card by HDFC Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 CashPoints per ₹150 (2 CashPoints per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints (20 CashPoints per ₹150) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
- • 5X CashPoints on EMI spends at merchant locations
- • Excluded Categories: Fuel, Wallet loads, Rent, Government transactions
Welcome Benefit
500 CashPoints upon payment of joining membership fee; Qualification Criteria: Fee realization within 90 days; Fulfillment Timeline: 30-45 days post fee realization
Milestone Benefit
Spend ₹50,000 (Quarterly): ₹500 gift voucher on spending ₹50,000 or more every calendar quarter (up to ₹2,000 worth gift vouchers every year); Spend ₹50,000 (Annual): Annual renewal fee waiver; Annual Fee Waiver: Spend ₹50,000 or more in preceding 12 months for fee waiver
Redemption
- • Statement Cashback at 1 CashPoint = ₹0.25 (minimum 2,000 CashPoints required)
- • Flight/Hotel booking via SmartBuy at 1 CashPoint = ₹0.25
- • Product catalog at 1 CashPoint = ₹0.25
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- Good Food Trail Dining Privileges: Up to 15% discount on restaurant dining bills via Swiggy Dineout. (2000+ participating dining outlets) [Partners: Swiggy Dineout]
Things to Know Before you apply
HDFC Bank MoneyBack+ Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹20,000; Self-employed: ITR > ₹6.0 Lakhs per annum
- Salaried & Self-Employed Individuals
- 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 | 2.5% (min ₹500) |
Fee waiver: Spend ₹50,000 or more in preceding 12 months for fee waiver
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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- • 500 CashPoints upon payment of joining membership fee
- • Qualification Criteria: Fee realization within 90 days
- • Fulfillment Timeline: 30-45 days post fee realization
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • Complimentary 1-year SonyLIV Premium subscription worth ₹999 upon first transaction within 30 days
- • Qualification Criteria: First card spend within 30 days of issuance
- • Fulfillment Timeline: Voucher code delivered via SMS within 30 days
- • Base Rewards: 2 CashPoints per ₹150 (2 CashPoints per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints (20 CashPoints per ₹150) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
- • 5X CashPoints on EMI spends at merchant locations
- • Excluded Categories: Fuel, Wallet loads, Rent, Government transactions
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Accelerated Rewards: Buy 1 Get 1 free movie ticket on District / Paytm Movies (up to ₹200 discount per month)
- • Excluded Categories: Fuel, Wallet loads
- • 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: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions