HDFC Bank MoneyBack+ Credit Card
Best for first-time card users who shop on Amazon/Flipkart/Swiggy. 10X CashPoints (20 per Rs 150) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, BigBasket; 2 CashPoints per Rs 150 elsewhere incl. UPI. 1 CashPoint = Rs 0.25
Terms as of 2026-05-25 · Checked 30 September 2026HDFC Bank MoneyBack+ Credit Card at a glance
Who it suits: First-time card users who shop on Amazon/Flipkart/Swiggy
Rewards & cashback
| Details | |
|---|---|
| How you earn | 10X CashPoints (20 per Rs 150) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, BigBasket; 2 CashPoints per Rs 150 elsewhere incl. UPI. 1 CashPoint = Rs 0.25 |
| Caps & exclusions | 10X capped at 2,500 CashPoints/month; groceries 1,000/month |
| Welcome benefit | 500 CashPoints on joining fee payment |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹396 | ₹396 |
| ₹3,00,000 / year | ₹990 | ₹990 |
| ₹6,00,000 / year | ₹1,980 | ₹1,980 |
| ₹12,00,000 / year | ₹3,960 | ₹3,960 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | None stated |
| Fuel surcharge | 1% waiver on Rs 400-5,000 transactions, max Rs 250/cycle |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | Renewal fee waived on Rs 50,000 spend in anniversary year |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Salaried Rs 20,000/month; self-employed ITR Rs 6 lakh+; age 21-60 (65 self-employed) |
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the HDFC Bank MoneyBack+ Credit Card?
Joining fee ₹500 and annual fee ₹500 (plus 18% GST). Renewal fee waived on Rs 50,000 spend in anniversary year.
What rewards does it offer?
10X CashPoints (20 per Rs 150) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, BigBasket; 2 CashPoints per Rs 150 elsewhere incl. UPI. 1 CashPoint = Rs 0.25 Caps/exclusions: 10X capped at 2,500 CashPoints/month; groceries 1,000/month
Does it give airport lounge access?
None stated
Who is eligible?
Salaried Rs 20,000/month; self-employed ITR Rs 6 lakh+; age 21-60 (65 self-employed). A CIBIL score of 750+ improves approval chances.
Is the HDFC Bank MoneyBack+ Credit Card good for me?
Best for: First-time card users who shop on Amazon/Flipkart/Swiggy. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-05-25. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HDFC Bank’s website before applying. FinancePortal is not affiliated with the issuer.