HDFC Bank MoneyBack+ Credit Card
Updated 15 Apr 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 10% back on online partner merchants spends in the form of cashpoints (points).
HDFC Bank MoneyBack+ Credit Card
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForOnline shopping
- Reward TypeCashPoints (points)
Rewards Rate
- 10% on online partner merchants (cap 2500 points / monthly)
- 10% on emi spends (cap 2500 points / monthly)
- Base 0.33% on other spends
Welcome Benefits
- Not applicable
HDFCplatinumentryRewards and Benefits
Rewards Rate
10% on online partner merchants (cap 2500 points / monthly)
10% on emi spends (cap 2500 points / monthly)
Base 0.33% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
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
Fees & Charges
Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.60% per month (43.2% 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.
- Accelerated earn rate of 10% on online partner merchants.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 10% on online partner merchants (cap 2500 points / monthly)Merchants: amazon, flipkart, swiggy, reliance-smart-superstore10 CashPoints per ₹150 on partner merchants.
- 10% on emi spends (cap 2500 points / monthly)
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
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.