Joining Fee: ₹500* Plus Applicable Taxes
Renewal Fee: ₹500*Plus Applicable Taxes
Joining Fee: ₹500* + Tax
Renewal Fee: ₹500* + Tax
Get an extra 10% discount via Swiggy Dineout.
Low joining and annual fee of ₹500.
Earn up to 10X rewards on select popular brands
Author: MybankingTips Team
Welcome benefits:- 500 CashPoints on spending ₹5,000 within 90 days of card issuance
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The HDFC MoneyBack+ Credit Card is an upgraded entry-level credit card from HDFC Bank, designed for everyday online shoppers and beginners starting their credit journey. It offers 10X CashPoints on five of India's most popular online platforms — Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart SuperStore — plus 2 CashPoints per ₹150 on all other eligible spends, all at a very accessible annual fee of just ₹500.
The MoneyBack+ is the improved successor to the original HDFC MoneyBack Credit Card (which HDFC Bank is no longer issuing for new customers). The key upgrades include a substantially higher reward rate on partner brands (10X vs the original's 2–4X), UPI spend rewards, and broader merchant coverage. With a gross monthly income requirement of just ₹20,000 for salaried applicants, it is one of the most accessible credit cards in HDFC Bank's portfolio.
The card earns CashPoints that can be redeemed for statement cashback, flight & hotel bookings via SmartBuy, AirMiles, and product vouchers. Each CashPoint is worth ₹0.25 when redeemed against the card statement. The annual fee is waived on spending just ₹50,000 in the previous year — achievable for most active card users.
Who is this card for? The HDFC MoneyBack+ Credit Card is ideal for beginners entering the credit card world, frequent shoppers on Amazon, Flipkart, Swiggy, or BigBasket, and those who want a low-cost cashback card with meaningful rewards on their everyday digital spends. If you spend ₹5,000/month on partner brands, you'll earn far more than the annual fee in CashPoints.
The HDFC MoneyBack+ operates on a simple two-tier CashPoints system — accelerated rewards on partner brands, and base earning on everything else:
On 5 Partner Brands
20 CashPoints per ₹150 on Amazon, Flipkart, Swiggy, BigBasket & Reliance Smart SuperStore. Capped at 2,500 CashPoints/month on partner brands.
All Other Retail Spends
2 CashPoints per ₹150 on all other categories including UPI spends and SmartPay transactions. No monthly cap on base earning.
Excluded from CashPoints: Fuel spends, wallet loads, gift or prepaid card loads, rent payments, government transactions, Smart EMI transactions, voucher purchases, cash advances, payment of card dues, and payment of card fees do not earn CashPoints.
10X Partner Brand Cap: The bonus CashPoints earned on the 5 partner brands (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore) are capped at 2,500 CashPoints per month. To hit this cap, you'd need to spend ₹18,750 on partner brands monthly — well above average for most users.
The MoneyBack+ card covers five of India's most-used everyday platforms for the accelerated 10X CashPoints rate — earning 20 CashPoints per ₹150 spent (equivalent to up to 2.5% value-back when redeemed for cashback at ₹0.25/CP):
These 5 partner categories cover the widest range of everyday spending — from online fashion and electronics (Flipkart, Amazon), food delivery and dining (Swiggy), fresh groceries (BigBasket), to physical supermarket shopping (Reliance Smart SuperStore). This makes MoneyBack+ a well-rounded everyday card even with just ₹500 in fees.
In addition to CashPoints, the HDFC MoneyBack+ rewards consistent quarterly spending with gift vouchers worth up to ₹2,000 per year:
₹500 Gift Voucher
Spend ₹50,000+ in Q1 (Jan–Mar) to earn a ₹500 e-gift voucher.
Spend ₹50,000+ in Q2 (Apr–Jun) to earn a ₹500 e-gift voucher.
Spend ₹50,000+ in Q3 (Jul–Sep) to earn a ₹500 e-gift voucher.
Spend ₹50,000+ in Q4 (Oct–Dec) to earn a ₹500 e-gift voucher.
Maximum Annual Gift Voucher Value: Hit the ₹50,000 quarterly spend target in all 4 quarters and you earn ₹2,000 in gift vouchers per year — 4X your annual card fee. That's on top of all the CashPoints you've earned! Gift vouchers have a validity of 60 days from issue date.
CashPoints earned on the HDFC MoneyBack+ Credit Card can be redeemed via HDFC Bank NetBanking or at any HDFC Bank branch across multiple categories:
Best Redemption Value: The highest CashPoint value is via flight and hotel bookings on HDFC SmartBuy, where points can cover up to 50% of the booking amount. Statement cashback at ₹0.25/CP is simple and instant but delivers lower per-point value. Redeem via HDFC NetBanking — no visit to a branch required for online redemptions.
Enjoy an additional 10% discount on dining at 2,000+ premium restaurants across India via Swiggy Dineout. Use the coupon code HDFCCARDS at checkout. Minimum order value ₹2,000 applies.
Get a 1% fuel surcharge waiver at all petrol stations across India. Applicable on transactions between ₹400 and ₹5,000. Maximum waiver capped at ₹250 per statement cycle.
Enabled for fast, secure contactless payments at retail outlets for transactions up to ₹5,000 without entering a PIN. Your MoneyBack+ card carries the contactless network symbol.
Convert large purchases into easy EMIs after you've already made the transaction using HDFC's Smart EMI feature. Manage your cash flow without giving up your purchase timing.
Report your lost or stolen MoneyBack+ card immediately to HDFC's 24-hour call centre (1800 1600 / 1800 2600) and enjoy zero liability on any fraudulent transactions made thereafter.
Manage your MoneyBack+ Credit Card entirely via HDFC MyCards — activate the card, track spends, view and redeem CashPoints, set limits, and toggle card controls. No passwords or downloads required.
Enjoy up to 50 interest-free days from the date of purchase, subject to the merchant submitting the charge. Pay your full bill on time to maximise this benefit every month.
Link your MoneyBack+ Credit Card to HDFC PayZapp for extra cashback and CashPoints on bill payments and mobile recharge. Shop across 200+ in-app brands with ₹1,000 cashback on first purchase.
Year 1 Value Snapshot: 500 welcome CashPoints (₹125) + ₹500 gift voucher (if you hit ₹50K in any one quarter) = ₹625 minimum value back in your first year on a ₹500 fee card. That's already in the green before you even count the regular CashPoints you earn.
The HDFC MoneyBack+ Credit Card rewards your everyday online spending at just ₹500/year. Apply online in minutes with a free eligibility check.
Fee Waiver is Easy: Spend just ₹50,000 in the year before your renewal date (about ₹4,167/month) and your ₹500 annual renewal fee is completely waived. Most online shoppers easily cross this threshold.
The HDFC MoneyBack+ Credit Card has one of the lowest income thresholds among HDFC Bank cards — making it a great first card for young professionals and beginners:
Minimum 21 years, Maximum 60 years at time of application.
Minimum 21 years, Maximum 65 years at time of application.
Gross monthly income above ₹20,000 (₹2.4 lakh per annum). One of HDFC's lowest income bars.
Annual ITR (Income Tax Return) filing of more than ₹6 lakh per annum.
Good CIBIL score is preferred. Beginners with limited credit history can also apply — this is HDFC's beginner-friendly card.
Indian national (resident). Available to both salaried employees and self-employed professionals or business owners.
First Credit Card? The HDFC MoneyBack+ is one of the best starter credit cards in India due to its low income eligibility (₹20,000/month), manageable annual fee, and simple rewards structure. Even with no credit history, HDFC Bank may approve you if you have a strong banking relationship or salary account with them.
Go to the official HDFC Bank website or use the Apply Now button above. Navigate to the MoneyBack Plus Credit Card application page directly.
Enter your name, PAN, date of birth, mobile number, email, employment type, and gross monthly income. HDFC Bank performs a soft credit check first — this does not impact your CIBIL score.
If eligible, complete the full application with your financial details. Upload your PAN card, address proof, salary slips (or ITR for self-employed), and a photograph.
HDFC Bank verifies your documents and makes a credit decision. Existing HDFC Bank customers with salary accounts often receive faster approvals, sometimes within minutes.
Your MoneyBack+ card is delivered within 7–10 working days. Activate it via HDFC MyCards or by making your first transaction. Your 500 welcome CashPoints are credited on joining fee realization.
* Comparison based on publicly available data. Benefits may vary. Verify latest T&Cs with respective issuers.
CashPoints are HDFC MoneyBack+'s rewards currency. You earn 20 CashPoints per ₹150 spent on the 5 partner brands (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore) — that's the 10X rate. On all other eligible spends, you earn 2 CashPoints per ₹150. CashPoints are credited to your account within a few days of the transaction posting and can be redeemed via HDFC NetBanking.
1 CashPoint = ₹0.25 when redeemed against your card statement (outstanding balance). So 100 CashPoints = ₹25. For flight and hotel bookings via HDFC SmartBuy, the per-point value can be higher — you can use CashPoints to cover up to 50% of your booking value. You need a minimum of 500 CashPoints to make a redemption, and monthly redemption for travel on SmartBuy is capped at 50,000 CashPoints.
Yes. Spend ₹50,000 or more in the 12 months before your annual renewal date and the ₹500 renewal fee is completely waived. This is approximately ₹4,167 per month in card spending — a threshold most active online shoppers easily cross, especially if they use the card for Amazon, Flipkart, and Swiggy orders.
Spend ₹50,000 or more on your HDFC MoneyBack+ Credit Card in any calendar quarter (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec) and you receive a ₹500 gift voucher. Do this in all 4 quarters and you earn up to ₹2,000 in gift vouchers per year. Gift vouchers have a validity of 60 days from the date of issue.
No. The HDFC MoneyBack+ Credit Card does not offer any complimentary airport lounge access — domestic or international. This is a deliberate trade-off for the very low ₹500 annual fee. If lounge access is important to you, consider upgrading to the HDFC Millennia (₹1,000/year) or HDFC Regalia Gold (₹2,500/year).
Yes — it is one of the best first credit cards in India. The low income threshold (₹20,000/month for salaried), simple two-tier rewards structure, low ₹500 fee, and easy waiver make it ideal for beginners. The 10X CashPoints on popular platforms like Amazon and Flipkart ensure meaningful rewards from Day 1, and the card helps build a strong CIBIL credit history with responsible usage.
The original HDFC MoneyBack Card (no longer issued for new customers) offered 4 reward points per ₹150 on online spends and 2 points on offline spends. The MoneyBack+ is the upgraded successor with 10X CashPoints (20 CP/₹150) on 5 specific partner brands, 2 CashPoints on all other spends including UPI transactions, and a broader merchant list. The annual fee remains the same at ₹500 for both cards, but MoneyBack+ delivers significantly more value.
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