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.

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

✔️ 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

✔️ 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

Q1. What reward points does HDFC MoneyBack+ Credit Card offer?

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

Q2. Is there any annual fee waiver?
Ans. Yes, annual fee is waived on ₹50,000 yearly spend.

Q3. What are CashPoints?
Ans. CashPoints are reward points that can be redeemed for cashback, vouchers, or products.

Q4. Does it provide fuel benefits?
Ans. Yes, 1% fuel surcharge waiver is available on eligible transactions.

Q5. Who should apply for this card?
Ans. Beginners and users looking for a low-fee rewards credit card.