HDFC Bank MoneyBack+ Credit Card

Joining fee

₹500 + GST

Renewal fee

₹500 + GST

Fee waiver rule

Fee waived if you spend ₹50,000.

Add-on card fee

₹0

Welcome benefit

500 Reward Points on paying Joining Membership fee.

Reward rate

2 CashPoints per ₹200 points · everyday spends2 CashPoints per ₹200 spent on other spends.

Online earning

10X CashPoints (Upto 2.5% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket

Reward caps

With effect from 1st February 2023, CashPoint redemptions are capped per month upto 3,000 CashPoints

Cashback redemption

1 CashPoint Equivalent to CashBack ₹0.2.

Catalogue redemption

CashPoint Equivalent to Product Catalogue Upto ₹0.25

Flight redemptionHotel redemption

CashPoint worth Upto ₹0.25 on SmartBuy Flights/ Hotel Bookings; up to 50% of the booking value; capped at 50,000 CashPoints per month

Points transfer redemption

1 CashPoint Equivalent to 0.25 airmiles.

Redeeming points for travel

CashPoints can be used for redemption against travel benefits like Flight & Hotel bookings via SmartBuy.

Statement-credit redemptionSmallest number of points that can be redeemed

A minimum balance of ₹500 equivalent CashPoints is required for redemption against the statement

Voucher and product redemption

Up to 70% of Product/ Voucher Value can be redeemed through CashPoints on select products/ vouchers

Point expiry

Unredeemed CashPoints will expire/lapse after 2 years of accumulation.

What one reward unit is worth

1 CashPoint = Upto ₹0.25

Dining programme

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

Milestone benefits

Gift Voucher worth ₹500 on spends of ₹50,000 per calendar quarter.

Retention or continued-access criteria

The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months.

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)

Surcharge on railway tickets

Railway Ticket Purchase Fee: 1%.

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Purchase to EMI conversion

Smart EMI: option to convert big spends into EMI after purchase.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

Markup fee of 1.75% on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas (with effect from 15th May 2026)

Cash advance fee

2.5% of the withdrawn amount or a minimum of ₹500 (whichever is higher)

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest-free period

Up to 50 days of interest free period from the date of purchase

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

Processing fee of ₹99 + GST for each catalogue redemption request; a redemption request may contain one or multiple items/products redeemed together, and processing fee is charged once per request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

What the card's fee or benefit year means

Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest and other Charges; the applicable GST would be dependent on place of provision (POP) and place of supply (POS)

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Age the primary cardholder must be

Salaried: Minimum 21 years & Maximum 60 years; Self-Employed: Minimum 21 years & Maximum 65 years

Eligibility

Nationality: Indian; Salaried: Age 21–60, Net Monthly Income > ₹20,000; Self-Employed: Age 21–65, ITR > ₹6 Lakh per annum.

Income, salaried

Net Monthly Income > ₹20,000.

Income, self-employed

ITR > ₹6 Lakh per annum.

Minimum age

Minimum 21 years

Residency

Indian