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Credit Cards · India

HDFC Bank MoneyBack+ Credit Card

Updated 3 Jul 2026Source-linked

The HDFC Bank MoneyBack+ Credit Card is a entry credit card from HDFC Bank, with a joining fee of ₹500 + GST.

It earns up to 20 pts per ₹200 (≈2.0% value) on online partner merchants spends in the form of cashpoints (points).

Welcome benefit: 500 CashPoints.

HDFC Bank logo
HDFC Bank MoneyBack+ Credit Card
Visa logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForOnline shopping
  • Reward TypeCashPoints (points)
Rewards Rate
  • 20 pts per ₹200 on online partner merchants (cap 2500 points / monthly)
  • Base 0.20% on other spends
Welcome Benefits
  • 500 CashPoints
  • 500 CashPoints
Data verified 3 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
20 pts per ₹200 on online partner merchants (cap 2500 points / monthly)
Base 0.20% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
500 CashPoints
Milestone Rewards
  • ₹50,000 / quarterly: ₹500 gift voucher
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹30/mo

    Online shopping — earns base; accelerated rate needs booking via amazon, bigbasket, flipkart, swiggy, reliance-smart-superstore

  • Groceries₹8,000 · 0.2% = ₹16/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹16/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹20/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹984/yr

₹984 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by HDFC Bank.
  • Joining / annual fee of ₹500 + GST, waived on annual spends of ₹50,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹50,000 spend.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹125 welcome benefit

  • 500 CashPoints
    Joining membership fee paid
  • 500 CashPoints
    Renewal membership fee paid

Accelerated rewards

  • 20 pts per ₹200 on online partner merchants (cap 2500 points / monthly)
    Merchants: amazon, bigbasket, flipkart, swiggy, reliance-smart-superstore
    10X CashPoints (20 CashPoints per ₹200) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy, capped at 2,500 CashPoints/month.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • utilities
  • insurance premiums

Milestone benefits

  • ₹50,000 / quarterly: ₹500 gift voucher (≈ ₹500 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsentrypointsonline spend