Visa, Mastercard 📡 Contactless NFC

HDFC Bank MoneyBack Credit Card

Joining Fee₹500

Annual Fee₹500

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Entry-level cardholders and online spenders looking for 2X reward points on online shopping, ₹2,000/year in milestone vouchers, and an easy ₹50k spend waiver.

Who Should Avoid

Users seeking airport lounge access or high accelerated air mile transfers.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

500 Reward Points upon payment of joining fee and realization

2X Reward Points on Online Spends

Earn 4 Reward Points per ₹150 (2X rewards) on all online retail shopping transactions.

₹500 Quarterly Gift Vouchers

Earn ₹500 gift voucher on achieving quarterly spends of ₹50,000 (up to ₹2,000 vouchers/year).

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.2

Standard Base Earning

2 Reward Points per ₹150 spent on regular retail purchases (0.27% return; 1 RP = ₹0.20)

Accelerated / Partner Rate

4 Reward Points per ₹150 (0.53% return) on all online retail shopping (capped at 500 points/billing cycle); ₹500 gift voucher on ₹50,000 quarterly retail spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Cash Credit (1 RP = ₹0.20, min 2,500 points), SmartBuy Flights & Hotel Bookings (1 RP = ₹0.20), Product Catalog & Brand Vouchers

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr

Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹20,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank MoneyBack Credit Card

Annual Fee: ₹500/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹20,000 All HDFC Bank Credit Cards Best Visa Credit Cards Best Mastercard Credit Cards

Frequently Asked Questions

No, HDFC Bank MoneyBack Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).

HDFC Bank MoneyBack Credit Card ₹500/yr