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HDFC Bank MoneyBack+ Credit Card

HDFC Bank

MoneyBack+ Credit Card — card image from the issuer's official page

Annual / renewal fee

₹500 + applicable taxes (renewal membership fee).

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Earn rate

  • 10X CashPoints i.e. 20 CashPoints per ₹200 spent on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy (non-EMI).
  • 2 CashPoints per ₹200 on all other spends.
  • For RuPay cardholders all UPI spends earn 2 RPs per ₹200 (capped 500 RP per calendar month).
  • Effective 15th May 2026 accrual is per ₹200 (earlier per ₹150).

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-15
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

MoneyBack+ Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹500 + applicable taxes.

Verifiedharvested from product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Annual / renewal fee

₹500 + applicable taxes (renewal membership fee).

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Fee waiver

Annual/renewal fee waived on spending ₹50,000 or more in a year before the renewal date (₹50,000 / Annum minimum spend).

Verifiedharvested from product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Renewal fee

  • ₹500 + applicable taxes.
  • Waived on spending ₹50,000 in 12 months.

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Rewards

  • 10X CashPoints i.e. 20 CashPoints per ₹200 spent on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy (non-EMI).
  • 2 CashPoints per ₹200 on all other spends.
  • For RuPay cardholders all UPI spends earn 2 RPs per ₹200 (capped 500 RP per calendar month).
  • Effective 15th May 2026 accrual is per ₹200 (earlier per ₹150).

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM IST

Redemption value

  • 1 CashPoint = up to ₹0.25 for redemption against statement balance (via Net Banking, Phone Banking or physical redemption form).
  • Minimum 2,000 CashPoints (equivalent of ₹500) required for statement redemption.
  • A ₹50 redemption fee applies for statement-credit (CashBack) redemption (w.e.f 1st Aug 2024).
  • ₹99 + Taxes handling charge for reward catalogue redemption.
  • For flights & hotels via SmartBuy, up to 50% of booking value redeemable at 1 CashPoint = up to ₹0.25.
  • Unredeemed CashPoints expire after 2 years of accumulation.
  • Redemption caps: flights/hotels 50,000 per month (w.e.f 1st Jan 2023).
  • CashBack 50,000 per month (w.e.f 1st Feb 2023).
  • Up to 70% of product/voucher value via points on select vouchers.

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Reward cap

  • Maximum 2,500 CashPoints per calendar month under the 10X feature.
  • Maximum 15,000 reward points per statement cycle overall.
  • Grocery transactions capped at 1,000 reward points per month (w.e.f 1st Jan 2023).

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Reward exclusion

FuelEMIRent paymentsGovt related transactionsWallet/Gift/Prepaid Card loads & Voucher Purchase transactionsCash Advancespayment of outstanding balancesand card fees/charges. Effective 1st Sep 2024education payments via third-party apps and wallet loading/Easy EMI transactions do not earn Reward Points. Rent and Govt related transactions (MCC 6513) excluded w.e.f 1st Jan 2023

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Travel benefit

  • CashPoints can be redeemed against Flight & Hotel bookings via SmartBuy Rewards Portal at 1 CashPoint = ₹0.25, up to a maximum of 50% of booking value.
  • Rest paid via the HDFC Bank Credit Card.
  • Flights & hotels redemption capped at 50,000 reward points per calendar month (w.e.f 1 Jan 2023).

VerifiedTerms & Conditions – HDFC Bank MoneyBack+ Credit Card (incl. Rewards/CashPoints Terms)2 Aug 2026, 10:40 AM ISTHDFC Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Welcome Benefit of 500 CashPoints, given to the cardholder if the joining membership fee is paid.

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Dining benefit

10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Insurance

  • Zero lost card liability: after reporting the loss to the 24-hour call centre, the cardmember's subsequent liability is zero.
  • Optional insurance product may be availed at cardholder's discretion to cover liability arising from fraudulent transactions.

VerifiedMITC – Fees & Charges (MoneyBack+ Credit Card, v2.4, Jan 2025)2 Aug 2026, 10:40 AM ISTHDFC Bank

Milestone benefit

  • Renewal Benefit of 500 CashPoints on payment of membership fee.
  • And a ₹500 gift voucher on achieving net spends of ₹50,000 within a calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec).
  • Voucher message triggered to registered phone/email within 60 working days.
  • Valid 120 days from triggered date.

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Eligibility

Eligibility

  • Salaried: Age min 21 & max 60 years, Gross Monthly Income > ₹20,000.
  • Self Employed: Age min 21 & max 65 years, ITR > ₹6 Lakhs per annum.

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Charges & interest

Forex markup

  • 3.5% markup on International / Cross currency transactions.
  • Dynamic Currency Conversion markup fee 1.75% (w.e.f 15th May 2026) on transactions in Indian currency at an international location or at India-based merchants registered overseas.

VerifiedTerms & Conditions – HDFC Bank MoneyBack+ Credit Card (incl. Rewards/CashPoints Terms)2 Aug 2026, 10:40 AM ISTHDFC Bank

Charge

  • Cash advance fee: 2.5% or ₹500 whichever is higher.
  • Finance charges: 3.75% per month (45% per annum) on revolving credit, applicable to all retail & cash transactions.
  • Overlimit charges: 2.5% of overlimit amount, minimum ₹550.
  • Payment Return Charges: 2% of payment amount, minimum ₹450.
  • Cash Processing Fee: ₹100.
  • Rewards Redemption Fee: ₹99 per redemption request.
  • CashBack (statement credit) redemption fee: ₹50 (w.e.f 1st Aug 2024).
  • Easy-EMI Processing Fee: up to ₹299.
  • Rent Pay Transactions: 1% fee (capped ₹3000/txn, w.e.f 1st Aug 2024).
  • Fuel: 1% fee on consumer-card fuel spends over ₹15,000/txn (capped ₹3000).
  • Utility: 1% fee on spends over ₹50,000/txn (capped ₹3000).
  • Education (third-party apps): 1% fee (capped ₹3000/txn).
  • Dynamic Currency Conversion Markup: 1% (revised to 1.75% w.e.f 15th May 2026).
  • Card re-issuance fee: ₹199 (non-metal) / ₹3,500 (metal).
  • Late Payment Charges by slab: <=₹100 Nil.
  • ₹101-500 ₹100.
  • ₹501-1000 ₹500.
  • ₹1001-5000 ₹600.
  • ₹5001-10000 ₹750.
  • ₹10001-25000 ₹900.
  • ₹25001-50000 ₹1100.
  • >₹50000 ₹1300.
  • All fees subject to GST.

VerifiedTerms & Conditions – HDFC Bank MoneyBack+ Credit Card (incl. Rewards/CashPoints Terms)2 Aug 2026, 10:40 AM ISTHDFC Bank

Fuel surcharge waiver

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).

VerifiedMoneyBack+ Credit Card product page2 Aug 2026, 10:40 AM ISTHDFC Bank

Interest-free period

  • Up to 50 days interest-free credit period (ranges from 20 to 50 days), subject to the scheme applicable and submission of claims by the merchant.
  • Not applicable if previous balance is not cleared in full or cash is availed from ATM.

VerifiedMITC – Fees & Charges (MoneyBack+ Credit Card, v2.4, Jan 2025)2 Aug 2026, 10:40 AM ISTHDFC Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the MoneyBack+ Credit Card?

Officially traced: Rs. 500 + applicable taxes (renewal membership fee).

MoneyBack+ Credit Card product page

What is the joining fee on the MoneyBack+ Credit Card?

Officially traced: Rs. 500 + applicable taxes.

harvested from product page

Is the MoneyBack+ Credit Card annual fee ever waived?

Annual/renewal fee waived on spending Rs. 50,000 or more in a year before the renewal date (Rs. 50,000 / Annum minimum spend).

harvested from product page

How does the MoneyBack+ Credit Card earn rewards?

10X CashPoints i.e. 20 CashPoints per Rs. 200 spent on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy (non-EMI); 2 CashPoints per Rs. 200 on all other spends; for RuPay cardholders all UPI spends earn 2 RPs per Rs. 200.

MoneyBack+ Credit Card product page

What welcome benefit does the MoneyBack+ Credit Card offer?

Welcome Benefit of 500 CashPoints, given to the cardholder if the joining membership fee is paid.

MoneyBack+ Credit Card product page

What are the transfer ratios for MoneyBack+ Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageTerms & Conditions – HDFC Bank MoneyBack+ Credit Card (incl. Rewards/CashPoints Terms)harvested from product pageMITC – Fees & Charges (MoneyBack+ Credit Card, v2.4, Jan 2025)MoneyBack+ Credit Card (fleet document) — governing document (side-door search)

Official terms

https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.

VerifiedMoneyBack+ Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:08 AM ISTHDFC Bank

Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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