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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card is an entry-level cashback and rewards credit card designed for everyday spending. It offers accelerated reward points on online transactions along with benefits on dining, shopping, and fuel, making it suitable for beginners and regular users.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

Earn 10X CashPoints on Amazon, Flipkart & other online spends (selected merchants)
Earn 2X CashPoints on all online spends
Earn 1 CashPoint per ₹150 on other spends
Welcome benefit: 500 CashPoints on card activation
Quarterly milestone benefit: 500 CashPoints on ₹50,000 spend
1% fuel surcharge waiver on ₹400–₹5,000 transactions
Dining benefits under partner restaurants
Smart EMI option available
Contactless payment enabled

Fees & Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (waived on ₹50,000 annual spend)
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (waived on ₹50,000 annual spend)
Interest Rate: ~3.6% per month (~43% p.a.)
Cash Advance Fee: 2.5% (min ₹500)
Forex Markup: ~3.5%
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Passport etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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You earn 10X CashPoints on selected online merchants, 2X on online spends, and 1 point per ₹150 on other spends.

Yes, annual fee is waived on ₹50,000 yearly spend.

CashPoints are reward points that can be redeemed for cashback, vouchers, or products.

Yes, 1% fuel surcharge waiver is available on eligible transactions.

Beginners and users looking for a low-fee rewards credit card.

Terms & Conditions

Reward points are subject to eligible categories and merchant list
Cashback/redemption value depends on HDFC reward program
Approval is subject to HDFC Bank credit policy
Fees and benefits may change as per bank guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST (waived on ₹50,000 annual spend)
Rewards Earn 10X CashPoints on Amazon, Flipkart & other online spends (selected merchants)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HDFC BANK