Moneyback HDFC Credit Card Apply Now

Features
Benefits
Fees and Charges
Eligibility and Documentation
Customer Care Details

HDFC MoneyBack Credit Card is suitable for shopping as cardholders get cashback in the form of reward points on their purchases. The earned cashback can be utilised for further shopping or can also be converted into direct statement credit.

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Features

MoneyBack Reward ProgrammeRewards points earned on purchases made using the HDFC Bank MoneyBack Credit Card can be easily redeemed for gifts and air miles
- 2 reward points accrued for every Rs. 150 spent
- 2X reward points on online spends
- 100 reward points are equal to Rs. 20 as cashback
- Reward points earned on the HDFC Bank MoneyBack Credit Card are valid for a period of 2 years from the date they were earned
Fuel Surcharge WaiverFuel surcharge waiver of 1% on transactions above Rs. 400. The upper limit for fuel surcharge waiver is set at Rs. 250 (plus applicable service tax) for every billing cycle.
Transaction SecurityHDFC Bank MoneyBack Credit Card has the EMV chip technology that is a global standard for credit cards. It can be used at both chip-enabled POS machines as well as regular non-chip POS card swipe machines.
Zero Liability on Loss of Credit Card
HDFC Bank MoneyBack Credit Card members must immediately report the loss of card to the bank. They can do this with ease by calling on the 24-hour helpline. This absolves them from any liability if any fraudulent transactions are made using the credit card after reporting its loss.

Watch this video

HDFC MoneyBack Credit Card is one of the most popular cards among first-time users. It gives cashback for all your spending with extra value back on online spends. Watch this video to know the key features of this credit card.

HDFC Moneyback Credit Card

Benefits

Waiver of First Year’s Fee

Card members can gain from the reversal or waiver of the first year’s fee if they spend a minimum of Rs. 20,000 within 90 days,

Reversal of Renewal Fee

The annual renewal fee is also reversed on spending Rs. 50,000 in the year before the date of renewal

Milestone Benefits

Get a gift voucher worth Rs. 500 on making retail purchases of Rs. 50,000 or above every quarter

Contactless Advantage

Make payments of up to Rs. 2,000 without swiping the card. Use the contactless feature on your card.

Fee and Charges

Title	Details
Annual Fee	Rs. 500 + GST
Cash Advance Charges	2.5% of the amount withdrawn or Rs. 500 whichever is higher
Over limit Charges	2.5% of over limit amount, subject to a minimum of Rs. 500
Railway Ticket Purchase Fee	1.8% of the transaction amount + GST
Reissue of Lost, Stolen or Damaged Card	Rs. 100
Payment Return Charges	2% of Payment amount subject to a minimum of Rs. 450
Cash Processing Fee	Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Balance Transfer Processing Charges	1% of BT amount or Rs. 250, whichever is higher
Late Payment Charges	For Statement Balance Less than Rs. 100 – Nil Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 to Rs. 25,000 – Rs. 800 Rs. 25,001 and above – Rs. 950

Eligibility and Documentation

Before applying for this credit card, you must fulfil the following eligibility criteria-

Salaried
1. Age- 21 years-60 years
2. Minimum Income Required- Rs.13,500* per month
Self Employed
1. Age-21 years-65 years
2. Minimum Income Required- Rs.22,500* per month
The applicant must have a stable job and regular source of income.
He/She should have a decent credit score.

*The minimum income requirement is different for different HDFC credit cards

Following documents are required by HDFC Card at the time of credit card application-

Proof of Identity

Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc. (any 1)

Proof of Address

Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc. (any 1)

Proof of Income

Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc. (any 1)

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HDFC Bank Diners Club Black Credit Card

5 Reward points per Rs 150 on all retail transactions
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Hdfc Bank Millennia Credit Card

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How to Apply for HDFC Bank MoneyBack Credit Card

One can apply for HDFC Bank MoneyBack credit card through Paisabazaar.com in a few simple steps as given below:

Click here to begin your application
Enter the required details and proceed
Filter the results of HDFC credit cards and then you can find HDFC Bank MoneyBack credit card in the list
Click on ‘Check Eligibility’ and enter some more details to verify your eligibility for the card
If approved, you can fill out the detailed form and submit
After successful online application, you will get a call from the executive to arrange for collecting your documents at your doorstep

Alternatively, you can apply on the bank’s website directly or by visiting the nearest branch of HDFC Bank.

FAQs

What is the credit limit of HDFC Bank MoneyBack?

The credit limit is decided by the bank on a number of factors like the credit score, annual income and cardholder’s age. Once you apply for the credit card and your application is approved, the bank will communicate the credit limit to you.

What is the annual fee of HDFC MoneyBack?
The annual fee of HDFC MoneyBack is Rs.500 plus applicable taxes.

Can I withdraw cash from HDFC MoneyBack credit card?
Yes, you can withdraw cash from your credit card account. A fee of 2.5% – 3% is typically charged every time you withdraw cash from your credit card
account.

How do I redeem HDFC card reward points into cash?
You can redeem HDFC reward points into cash via Internet Banking. Under the redemption portal after logging in, you will see an option of converting reward points into cash. The cash credit is usually credited within 7 working days.

How to use this chip card?
The merchant must follow these steps to use the HDFC Bank chip card:

Customer can tap the card on a POS terminal
Then enter the amount
Wait till the charge-slip is printed out
Remove the card and get the customer’s signature on the charge slip

Compare Different Credit Cards by Other Banks

Other Rewards Credit Card

Compare Different Credit Cards by Other Banks

Credit Card	Annual Fee	Reward Points	Net Savings
HDFC Moneyback	Rs.500	Earn 2X Rewards on online spends	Rs.484Rs.1,480*
Standard Chartered Platinum Rewards	Rs.250	Earn 5 Reward Points for every Rs.150 spent at partner dining restaurants	Rs.8,510Rs.9,782*
SBI SimplyClick	Rs.499	Earn 10X Reward Points with partner brands like Amazon, BookMyShow, Cleartrip, Urban Clap etc.	Rs.9,271Rs.14,541*
ICICI Bank Coral Contactless	Rs.500	Earn 2 Payback Points on every Rs.100 spent	Rs.10,636Rs.15,771*
IRCTC SBI Platinum	Rs.500	Earn 350 activation bonus Reward Points on spending Rs.500 or more within first 45 days of issuance	Rs.4,776Rs.9,964*

*On spending Rs.2 lakh annually

**On spending Rs.4 lakh annually

Other Rewards Credit Card

Credit Card	Annual Fee	Key Feature	Paisabazaar Rating
ICICI Rubyx	Rs.2000	2 Complimentary Movie Tickets every month from BookMyShowComplimentary round of Gold every month	4.3/5
Citibank Rewards	Rs.1,000	Get up to 20% discount on dining bills at partner restaurantsGet up to 2,500 Reward Points on using this card within first 60 days	4.2/5
SBI SimplySave	Rs.499	Spend Rs.90,000 or more in a year to avail annual fee reversalConvert big ticket purchases into smaller EMIs at no extra cost	3.7/5
American Express Membership Rewards	Rs.1,500	Earn 1,000 membership bonus Rewards Points atleast 4 times per monthEarn 1 Membership Reward Point on every Rs.50 spent	3.9/5

Customer Care Number	022-6160-6161(Toll Free)
Timings	9:30 AM to 5:30 PM from Monday to Saturday