HDFC MoneyBack+ Credit Card
HDFC · MASTERCARD★4.0/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap the card to flip
The HDFC MoneyBack+ is a straightforward cashback card for everyday spends. 2X CashPoints on EMI and online transactions, 1X elsewhere. CashPoints are redeemable against your statement at ₹1 per point — no portal, no catalogue complexity.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 5% | ₹1,000 |
| Other | cashback | 1% | — |
Online Shopping: 5% cashback on partner merchants · Amazon,Flipkart,Tata CLiQ,BigBasket,Swiggy,Tata 1mg,Uber
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
₹500 cashback on spending ₹50,000 in a year
Who is this card for?
- 🌱Entry tier — great for first-time and lower-spend users.
- 🎯Strongest value if you spend heavily on Online Shopping (5% back).
👍 Pros
- ✓Strong rewards that can offset the annual fee for the right spender
- ✓Simple, accessible entry/mid-tier card
👎 Cons
- ✕Annual fee applies unless the spend-based waiver is met
- ✕Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the HDFC MoneyBack+ Credit Card?+
The annual fee is Rs 500, which is waived on annual spends of Rs 50000.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 18 years old with a minimum income of Rs 15000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC MoneyBack+ Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
Swiggy HDFC Bank Credit Card
Higher-tier HDFC card to grow into
HDFC PIXEL Play Credit Card
Lifetime-free alternative
Standard Chartered Smart Credit Card
Comparable SC option
RBL Bank ShopRite Credit Card
Comparable RBL option
Myntra Kotak Credit Card
Comparable KOTAK option
Kotak 811 #DreamDifferent Credit Card
Lifetime-free alternative
Want to know if this beats your current card for your spending?