HDFC MoneyBack+ Credit Card
Housing Development Finance Corporation Housing Development Finance Corporation

HDFC MoneyBack+ Credit Card

/assest/image/icons/dining.svg Dining
/assest/image/icons/entry-level.jpg Entry-Level
/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Dining Dining
Entry-Level Entry-Level
Reward Points Reward Points
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Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

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

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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, designed to reward users with points across practical everyday categories. With an easy income eligibility of just ₹25,000 per month, it serves as a great entry-level option for beginners.

Cardholders can earn rewards on essential spends such as groceries via BigBasket, lifestyle shopping on Flipkart and Amazon, dining with Swiggy, and departmental purchases at Reliance Smart SuperStore.

However, the card has certain limitations. It does not offer travel-related benefits like complimentary lounge access, and popular travel brands are excluded from the accelerated rewards list. Additionally, while groceries and fuel are major expense categories, this card provides no rewards on fuel, and grocery rewards are capped at 1,000 reward points per month.

HDFC MoneyBack+ Credit Card Rewards Program

HDFC MoneyBack+ Credit Card: Rewards Program

The card rewards users with CashPoints on every spend as follows:

  • 10X CashPoints: Earn 20 CashPoints per ₹150 spent on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket
  • 2 CashPoints per ₹150 spent on all other categories, including UPI transactions*
  • 1 CashPoint = ₹0.25

Redemption Options

  • Cashback against statement balance
  • Flight and hotel bookings via Unified SmartBuy
  • Product Catalogue
  • Air Miles

*Note: UPI benefits apply only to RuPay credit card holders and are capped at 500 CashPoints per month.

Other Features and Benefits

Joining Bonus

  • Get 500 CashPoints on payment of the joining fee.

Renewal Benefit

  • Receive 500 CashPoints every year on payment of the renewal fee.

Milestone Benefit

  • Earn a ₹500 gift voucher on quarterly spends of ₹50,000 or more.

Dining Discount

  • Save up to 20% at partner restaurants via Swiggy Dineout.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹250 per statement cycle.
    (Suggested Read: Top Fuel Credit Cards in India)

Other Features

  • Zero Lost Card Liability: Protection against loss or fraud once reported to HDFC 24×7 Credit Card customer care.
  • Easy EMI Conversion: Convert large purchases into flexible EMIs after purchase.
  • Contactless Payments: Make secure tap-and-pay transactions up to ₹5,000 per transaction without entering a PIN.

Fees and Charges

Fee TypeDetails
Joining FeeRs.500
Finance Charges3.75% per month or 45.0% per annum
Annual FeeRs.500
Foreign Currency Markup Fee3.5% of the amount transacted
Rewards Redemption FeeRs.99 per redemption
Fuel Surcharge1%
Add-on Card FeeNA
Cash Advance Charged2.5% on the fund withdrawn
Late Payment Charges
  1. Less than equal to Rs.100 - Nil
  2. Rs.101 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.500
  4. Rs.1,001 to Rs.5,000 - Rs.600
  5. Rs.5,001 to Rs.10,000 - Rs.750
  6. Rs.10,001 to Rs.25,000 - Rs.900
  7. Rs.25,001 to Rs.50,000 - Rs.1100
  8. More than Rs.50,000 Rs.1300

Things to Know Before you apply

Get this card if:

  • You regularly shop on partner brands like Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore
  • You don’t need travel benefits or already own a travel-focused credit card
  • You prefer a low annual fee card that rewards you with points and cashback benefits

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?

  • Welcome Benefit: 500 CashPoints on card activation.
  • EMI Rewards: Earn 5X CashPoints on EMI payments at select merchant stores.
  • Everyday Spends: Get 2 CashPoints per ₹150 spent (excluding fuel, wallet reloads, vouchers, and prepaid card reloads).
  • Partner Brands: Enjoy 10X CashPoints on purchases at Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore.
  • Dining Offers: Up to 15% discount at 2,000+ partner restaurants across India.

Pros

  • 10X CashPoints on popular platforms such as Amazon, Flipkart, and Swiggy
  • Low annual fee with an easy spend-based waiver
  • Flexible redemption options for CashPoints

Cons

  • Low redemption value (1 CashPoint = ₹0.25)
  • No travel-related benefits included

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

Frequently Asked Questions

Everything you need to know about this credit card

Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station in India. The maximum waiver you can avail is ₹250 per billing cycle.

Yes. On the RuPay variant of the HDFC MoneyBack+ Credit Card, you can earn 2 Reward Points for every ₹200 spent through UPI transactions.

The maximum cap is 2,500 CashPoints per month. This includes 10X CashPoints on select brand spends and 5X CashPoints on EMI transactions.

Yes, cash withdrawal is allowed. However, a cash advance fee of 2.5% of the withdrawn amount or ₹500 (whichever is higher) will be charged. Interest is also applicable from the date of withdrawal. Hence, it is advisable to avoid withdrawing cash using this card.

Yes, HDFC allows you to convert eligible transactions on your MoneyBack+ Credit Card into EMI with flexible tenure options.

Yes, you earn reward points on every spend which can be redeemed for cashback, gifts, or vouchers.

You can view your e-statements through NetBanking, HDFC Mobile Banking App, or request paper statements.

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