Visa, Mastercard, RuPay 📡 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

Everyday online shoppers ordering from Amazon, Flipkart, Swiggy, and BigBasket seeking 10X CashPoints, RuPay UPI convenience, and ₹2,000/yr in quarterly gift vouchers.

Who Should Avoid

Users looking for airport lounge visits or direct airline frequent flyer transfers.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

500 CashPoints upon payment of joining fee and realization

10X CashPoints on Top E-Commerce Brands

10X CashPoints (10 points per ₹150, 1.66% return) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, and BigBasket.

5X CashPoints on EMI Spends

5X CashPoints on EMI spends at merchant checkout portals.

₹500 Quarterly Gift Vouchers

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

💰 Reward Structure & Point Valuation

1 CashPoints = ₹0.25

Standard Base Earning

2 CashPoints per ₹150 spent on other retail purchases (0.33% return)

Accelerated / Partner Rate

10X CashPoints (10 points per ₹150, 1.66% return) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, and BigBasket (capped at 2,500 points/month); 5X CashPoints on merchant EMI spends (capped at 2,500 points/month); ₹500 gift voucher on ₹50k quarterly spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Credit (1 CashPoint = ₹0.25, min 2,000 points), SmartBuy Flights & Hotel Bookings (1 CashPoint = ₹0.25), Product Catalog & Brand Vouchers

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances

🛋️ 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✓ Supported (RuPay)

2 CashPoints per ₹150 on eligible merchant RuPay UPI QR transactions

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₹25,000

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?

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

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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