HDFC Bank MoneyBack+ Credit Card

Name: HDFC Bank MoneyBack+ Credit Card
Brand: HDFC
Price: 500 INR
Availability: InStock
Rating: 3.8 (1 reviews)

3.8

WalletWalk Rating

Best for cashback on online shopping and dining

Last updated: 08-Sept-2025

Overview

The HDFC MoneyBack Credit Card is a popular entry-level option in India, offering cashback on every transaction. It's an excellent choice for frequent diners and online shoppers, providing enhanced rewards for online purchases.

Pros

↑10X CP on Amazon, Big Basket, Flipkart, Reliance Smart Super Store, and Swiggy.
↑1% fuel surcharge waiver on fuel purchases between ₹400 and ₹5,000.

Cons

↓Rent payments and government-related transactions from this card will not earn CashPoints and rewards are capped per statement cycle.

Key Highlights

Welcome Offer
500 CP on Joining Fee Payment
Upon paying your Joining Membership Fee of ₹500 + Taxes, receive 500 CP

Reward Rate
Earn 2 - 20 CP per ₹150 spent (1 CP = ₹0.25)
20 CP on Amazon, Big Basket, Flipkart, Reliance Smart Super Store & Swiggy
10 CP on EMI spends at merchant locations
2 CP / ₹150 spent on other spends (Excluding fuel, wallets loads/prepaid card loads & voucher purchases)

Minimum Salary
₹6,00,000

Joining Fee
₹500 + Applicable Taxes

Annual Fee
₹500 + GST
Waived on annual spending of ₹50,000

Key Benefits

Cashback

▼

10X CP on Amazon, Big Basket, Flipkart, Reliance Smart, and Swiggy
5X CP on EMI spends at merchant outlets
2 CP per ₹150 on other spends (excl. fuel, wallets, prepaid cards, vouchers)

Dining

▼

Yes > 20% discount on partner restaurants via Swiggy Dineout

Food Delivery

▼

10X CP on Swiggy

Fuel

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1% fuel surcharge waiver on fuel purchases between ₹400 and ₹5,000

Grocery

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10X CP on Big Basket, Reliance Smart SuperStore

Lifestyle

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CP can be redeemed for up to 50% of the booking value on travel benefits, including hotel bookings

Milestone

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Get a ₹500 gift voucher on spends on ₹50,000 per calendar quarter

Shopping

▼

Earn 10X CP on Amazon, Flipkart

Merchant Offers

▼

10X CP on 5 merchants which are Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy

Travel

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CP can also be used for redemption upto 50% of booking value against travel benefits like Flight bookings

Liability Protection

▼

There will be zero liability for transactions made after the loss is reported.

Balance Transfer

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1% of BT amount / ₹250 (whichever is higher).

Emi

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HDFC Bank MoneyBack+ Credit Card comes with an option to convert your big spends into EMI after purchase.

Detailed Information

Joining Fee	₹500 + Applicable Taxes
Annual Fee	₹500 + GST
Annual Fee Waiver	Waived on annual spending of ₹50,000
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45.00%
Minimum Monthly Payment	5% of the outstanding balance due
Foreign Currency Markup	3.5% of the total transacted amount
Late Payment Charges	₹100 - ₹1,300 (Based on outstanding amount due)
Overlimit Charges	2.5% of overlimit amount (Minimum: ₹550)
Cash Advance Fee	2.5% of the withdrawn amount (Minimum: ₹500)
Balance Transfer Fee	Up to 1% of the transfer amount (Minimum: ₹250)
Fee For Supplementary Card	Free
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100
Fee For Cheque Bounce	₹550 + service tax

Identity Proof	PAN card, Aadhaar card, Passport, Driving license, Voter ID, Job card issued by National Rural Employment Guarantee Act (NREGA) signed by a state government official
Address Proof	Aadhar card, Passport, Driving License, Voter ID, Latest Utility Bills (Electricity/Phone/water/Gas), Rent agreement, Latest Flat maintenance bill (max 2 months), Latest 3 months of bank statement or passbooks
Income Proof Salaried	Attested copy of the payslips (3 months)/Form-16 and copy of the visiting card or Office Id card
Income Proof Self Employed	Attested copy of the latest ITR (Income Tax Return) and copy of the Pan card along with Computation of Income

HDFC Bank MoneyBack+ Credit Card

Age Requirement Salaried	21 to 60 years
Age Requirement Self Employed	21 to 65 years
Minimum Annual Income Salaried	₹2,40,000
Minimum Annual Income Self Employed	₹6,00,000

Age Requirement Salaried	21 to 60 years
Age Requirement Self Employed	21 to 65 years
Minimum Annual Income Salaried	₹2,40,000
Minimum Annual Income Self Employed	₹6,00,000