HDFC MoneyBack+ Credit Card

Housing Development Finance Corporation

HDFC MoneyBack+ Credit Card

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Dining

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Reward Points

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Shopping

MyBankingTips Rating

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Dining

Reward Points

Shopping

MyBankingTips Rating

Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

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 an upgraded version of the classic MoneyBack Card, targeted at customers who spend frequently on online platforms. It offers accelerated reward points (10X) on popular merchants like Amazon, Flipkart, BigBasket, and Swiggy, with an easy cashback conversion. Ideal for budget-conscious online shoppers.

Excellent value on online shopping (10X RP)
Budget-friendly with low fee and waiver option
Milestone benefits on moderate spends
EMI rewards and cashback redemption flexibility
- Easy approval for eligible salaried/self-employed applicants

HDFC MoneyBack+ Credit Card Rewards Program

Spend Category	Reward Points
Amazon, Flipkart, BigBasket, Swiggy, Reliance Smart	10X RP (₹150 = 10 points)
EMI Transactions	5X RP
Other Spends	₹150 = 2 points

1 RP = ₹0.25 (can be redeemed for cashback or vouchers)

Minimum 500 points needed to redeem

Other Features and Benefits

SmartBuy redemption: 1 RP = ₹0.25
Zero liability on lost/stolen cards if reported in time
Up to 50-day interest-free period
EMI option on large purchases
- Annual fee waiver at ₹50,000 spend

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:

Online shoppers who frequently buy from Amazon, Flipkart, BigBasket
Users looking for cashback in the form of reward points
Entry-level users who want good returns without high fees
Individuals who spend ₹4,000–₹6,000/month online

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?

10X reward points on Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart Superstore
5X reward points on EMI spends
2 reward points on all other spends (₹150 = 2 points)
1% fuel surcharge waiver
- Milestone reward of ₹500 voucher on ₹50,000 annual spend

Pros

Excellent value on online shopping (10X RP)
Budget-friendly with low fee and waiver option
Milestone benefits on moderate spends
EMI rewards and cashback redemption flexibility
- Easy approval for eligible salaried/self-employed applicants

Cons

Lounge access not included
No travel or premium lifestyle benefits
Cashback only in form of reward points (no direct statement credit)
- Redemption requires 500-point threshold

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

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