Housing Development Finance Corporation

HDFC MoneyBack Credit Card

Cashback

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Cashback

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

Cashback

Welcome benefits:- 500 CashPoints on spending ₹5,000 within 90 days of card issuance

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC MoneyBack Credit Card

The HDFC MoneyBack Credit Card is a beginner-friendly credit card offering decent reward points on everyday transactions, especially online spends. It is a great entry-level option with a low joining fee and straightforward rewards structure, ideal for salaried professionals and first-time credit card users.

HDFC MoneyBack Credit Card Rewards Program

2 RP for every ₹150 spent (offline)
4 RP for every ₹150 spent (online, excluding wallet loads)
1 RP = ₹0.25 (on redemption via SmartBuy or cashback conversion)
Redemption threshold: Minimum 2,500 points

Other Features and Benefits

Zero lost card liability after reporting
Interest-free period of up to 50 days
EMI facility for large purchases
Easy online account management through HDFC NetBanking or App

Fees and Charges

Total Amount Due	Late Payment Charges
₹100 to ₹500	₹100
₹501 to ₹5,000	₹500
₹5,001 to ₹10,000	₹600
₹10,001 to ₹25,000	₹800
₹25,001 to ₹50,000	₹1,100
Above ₹50,000	₹1,300

Things to Know Before you apply

Get this card if:

First-time credit card users
Salaried professionals with moderate spending
Online shoppers who want simple cashback rewards
Individuals seeking a budget-friendly credit card

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For HDFC MoneyBack Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC MoneyBack Credit Card Hilights

What do we like about this card?

4 Reward Points on every ₹150 spent online2 Reward Points on every ₹150 spent offlineRedeem rewards as cashback or gifts via SmartBuyMilestone benefit: ₹500 voucher on ₹50,000 annual spendFuel surcharge waiver

Pros

Affordable card with low annual fees
Double reward points on online shopping
Easy reward redemption process
Fee waiver at just ₹50,000 annual spend
Good for new users building credit

Cons

No airport lounge access
Rewards limited for wallet loads, fuel, and rent
Redemption only in multiples of 500 points
Lower point value compared to premium cards

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712