Fees read from issuer pageUpdated 2026-07-28
HDFC Bank
MoneyBack+ Credit Card
₹500 a year
LinePersonal
Joining fee₹500
Annual fee₹500
Forex markupNot stated
Rewards, as stated by the issuer
- 10X CashPoints ( Upto 2.5% valueback ) on Amazon, Flipkart, Swiggy and more
- 10X CashPoints(Upto 2.5% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket
- 2 CashPoints per ₹200 spent on other spends
- Pay your Joining Membership fee and get 500 Reward Points
- 1 CashPoint = Upto ₹ 0.25
- CashPoints can be redeemed via HDFC Bank NetBanking or by visiting and filling the physical redemption form in the nearest HDFC Bank branch
- CashPoints Redemption against each category can be redeemed at:
- Upto ₹ 0.25
- 0.25 airmiles
- A minimum balance of Rs. 500 equivalent CashPoints is required for redemption against the statement
- CashPoints can be redeemed up to 50% of the booking value for Flights and Hotel booking. The remaining amount will have to be paid via Credit Card
- With effect from 1st January 2023, CashPoint redemption for Flights and Hotel bookings are capped per month at 50,000 CashPoints
- CashPoint redemptions are capped per month upto 3,000 CashPoints
- Up to 70% of Product/ Voucher Value can be redeemed through CashPoints on select products/ vouchers. The remaining amount must be paid via Credit Card
Other benefits
- Get additional 10% off on Swiggy Dineout
- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle
- CashPoints can be used for redemption against travel benefits like Flight & Hotel bookings via SmartBuy
- 10%* additional discount on Swiggy Dineout using coupon code HDFCCARDS TnC
- Interest Free Credit Period: Up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant
- Contactless Payment: Facilitating fast, convenient and secure payments at retail outlets
- Smart EMI: an option to convert your big spends into EMI after purchase. To know more
- Zero lost card liability: In the unfortunate event of losing your HDFC Bank MoneyBack Plus Credit Card, on reporting it immediately to our 24-hour call centre (Toll free numbers 1800 1600/1800 2600. Customers traveling overseas can reach us at 022-61606160
- Card Management: Made simple via HDFC Bank MyCards
- HDFC Bank MoneyBack+ Credit Card is enabled* for Contactless Payments at retail outlets
- Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre
- Available at a nominate nominal interest rate. (Check Fees and Charges section for more details
Welcome & milestones
Welcome
None listed.
Milestones
- Gift Voucher worth ₹500 on spends of ₹50,000 per calendar quarter*
- For Steps to redeem the Milestone voucher
Lounge access
No airport lounge rule is listed on this card's page.
Eligibility
Age
- Salaried — Age: Minimum 21 years & Maximum 60 years
- Self-employed — Age : Minimum 21 years & Maximum 65 years
Income
- Salaried — Income: Net Monthly Income > ₹20,000
- Self-employed — Income : ITR > ₹6 Lakh per annum
Employment
- Salaried
- Self-employed
Every fee line found on the page
- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
- Save up to Rs. 10,000* annually just like 30 lakh + HDFC Bank MoneyBack Plus Credit card holders
- Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
- Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off