customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
meter
  • Home /
  • Credit Card /
  • HDFC Credit Card /
  • HDFC Moneyback+
    • Image of HDFC MoneyBack+ Credit Card
    HDFC Bank

    HDFC MoneyBack+ Credit Card

    cat name Shopping
    cat name Rewards
    3.5/5.0

    Rewards3.5/5

    Milestone Benefits3.5/5

    Co-branded Benefits3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹500* Plus Applicable Taxes

    Entry-level

    Entry-level

    Low joining and annual fee of Rs. 500

    Rewards

    Rewards

    Up to 10x rewards on multiple brands

    Dining

    Dining

    Extra 10% discount via Swiggy Dineout

    Updated on January 7, 2026 4:20 pm

    Author: Megha Khanna

    Find Best Credit Card Offers

    It hardly takes 2 minutes

    +91 0 /10 Digits

    Don't worry, this will not affect your credit score

    The entered number doesn't seem to be correct

    By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
    Please accept the undertaking to proceed further

    meter
    About The CardReward DetailsBenefits & PrivilegesFees & ChargesThings to KnowCard ReviewFAQs

    About HDFC MoneyBack+ Credit Card

    HDFC Moneyback+ Credit Card is an upgraded variant of the existing Moneyback Card, offering benefits in the form of reward points across various categories. It is an entry-level card focused toward beginners as it comes with easy income eligibility of Rs. 25,000 per month.

    The card offers benefits on some of the most practical everyday categories. It covers groceries with BigBasket offer, lifestyle expenditure with Flipkart and Amazon, dining with Swiggy and other departmental store purchases via Reliance Smart SuperStore.

    View More
    The closest competitors of this credit card are HDFC’s two other cards- Moneyback and Millennia. HDFC Moneyback is good for overall online spends but the reward rate is not impressive as compared to the Moneyback+ variant. On the other hand, HDFC Millennia is quite an impressive alternative to Moneyback+ as the rewards to cashback ratio stands strong at 1:1, though at double the fee. Moneyback+ can be a good choice for beginners looking for accelerated rewards on their frequent online spends with the partnered brands. The features are satisfactory for a low annual fee of Rs. 500 and can be easily maximized by most online shoppers.

    HDFC Moneyback+ Credit Card: Rewards Program

    The card offers rewards in the form of cashpoints as follows:

    • 10X CashPoints: 20 per Rs. 150 on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket1
    • 2 CashPoints per Rs. 150 spent on other categories2 including UPI spends
    • 1 cash point = Rs. 0.25
    • Redemption options3:
      • Cashback 4
      • Unified SmartBuy (Flights/Hotels) 5
      • Product Catalogue 6
      • Airmiles

    Note: UPI benefits on the card are limited to RuPay credit card holders, capped at 500 reward points in a month.

    Image of null
    Image of null

    Other Features & Benefits

    In addition to reward points, HDFC Moneyback Plus extends some more benefits to the cardholders, as shown below:

    Joining Bonus

    • 500 CashPoints on payment of joining fee

    Renewal Benefit

    • 500 CashPoints on payment of renewal fee every year

    Milestone Benefit

    • Gift voucher worth Rs. 500 on reaching quarterly spends of Rs. 50,000 or more

    Dining Discount

    • Additional 10% off on partner restaurants via Swiggy Dineout.

    Fuel Surcharge Waiver

    • 1% fuel surcharge waiver on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000, up to Rs. 250 per statement cycle.

    Suggested Read: Top Fuel Credit Cards in India

    View More

    HDFC MoneyBack+ : Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 500
    Annual Fee Rs. 500
    Finance Charges 3.75% p.m. | 45% p.a.
    Late Payment Charges
    For Statement Balance:
    Up to Rs. 100 Nil
    Rs. 101 to Rs. 500 Rs. 100
    Rs. 501 to Rs. 1,000 Rs. 500
    Rs. 1,001 to Rs. 5,000 Rs. 600
    Rs. 5,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 to Rs. 25,000 Rs. 900
    Rs. 25,001 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You frequently make purchases from the partner brands- Flipkart, Amazon, Swiggy, etc.

    You are not looking for travel benefits or already have a travel credit card

    You want a card that offers benefits in the form of reward points and does not charge high annual fee

    Eligibility Requirements

    Age: 21 to 60 years (Max. 65 years for self-employed)

    Income: For Salaried: Rs. 20,000 p.m | For Self-employed: ITR > Rs. 6 lakh p.a.

    Basic income, identity and address proofs

    Paisabazaar Review

    Overall Rating

    3.5/5

    Rewards3.5/5

    Milestone Benefits3.5/5

    Co-branded Benefits3.5/5

    What do we like about this card?

    This card can be a great choice for users seeking a low-annual fee card with benefits on multiple everyday spends via co-branded association. The card extends savings on online shopping via Amazon & Flipkart, on dining via Swiggy and on groceries through Reliance Smart SuperStore and BigBasket.

    Pros

    • 10X points on popular platforms, like Amazon, Flipkart & Swiggy
    • Low annual fee with easy spend-based waiver condition
    • Multiple options to redeem Cash Points

    Cons

    • Low conversion rate of 1 Cash Point = Rs. 0.25
    • No travel benefits
    meter

    Frequently Asked Questions

    Everything you need to know about this credit card

    As per the terms and conditions associated with the HDFC MoneyBack+ Credit Card, the card caps the maximum CashPoints that you can earn in a month. The maximum capping for transactions under 10X CashPoints on selected brands (as mentioned above) and for 5X CashPoints on EMI spends is 2,500 CashPoints.

    Yes, the bank allows you to withdraw cash using your HDFC Bank MoneyBack+ Credit Card. However, the bank charges a cash advance fee of 2.5% of the withdrawn amount or a minimum of Rs. 500 (whichever is higher) for withdrawing cash via your credit card. Hence, it is advisable not to withdraw cash using your credit card as it incur higher charges.

    No, you can earn a fuel surcharge waiver of 1% on your transactions between Rs. 400 to Rs. 5,000. Also, you can earn a maximum waiver of Rs. 250 in a statement cycle. This waiver can be availed on your transactions across any petrol pump in the country, wherever this credit card is acceptable.

    You can apply for this card directly with the issuer, or with Paisabazaar by providing details on the application form available at the top of this page.

    Yes, HDFC Moneyback+ offers credit card linked UPI benefits on the RuPay variant of the card with 2 reward points for every Rs. 200 spent.
    img

    Need More Help?

    Leave a comment or ask a question!

    Ask Your Question

    Footnotes

    1. Under the 5X and 10X category, users can earn a maximum of 2,500 CashPoints in a calendar month. CashPoints on grocery transactions are capped at 1,000 CashPoints in a month.
    2. Exclusions from rewards program: fuel, wallet reload, prepaid card loads, voucher purchases, Rent payments and Government related transactions.
    3. Reward points have a validity of two years.
    4. A minimum of 2,000 CashPoints (worth Rs. 500) must be available for redemption against statement balance; maximum capping per month: 50,000 cashpoints.
    5. For redemption against travel bookings via the SmartBuy portal, users can redeem up to a maximum of 50% of the booking value through CashPoints; maximum capping per month: 50,000 cashpoints.
    6. Users can redeem up to 70% of product or voucher value through cash point on select vouchers/products.

    Megha Khanna linkedIn icon

    Content Writer

    Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

    Trending Articles on Credit Cards

    View All Articles
    img
    Best Railway Lounge Access Credit Cards in India 2026
    img
    Shruti Sharma
    9 Dec 2025
    img
    Best Credit Cards for Airport Lounge Access in India 2026
    img
    Shruti Sharma
    1 Dec 2025
    img
    Best Low Interest Credit Cards in India 2026
    img
    Shruti Sharma
    20 Nov 2025
    img
    Best RuPay Credit Cards in India 2026
    img
    Rupanshi Thapa
    16 Oct 2025

    Explore other Card Categories

    cat name Memberships
    cat name Travel
    cat name Lounge Access
    cat name Golf
    cat name Dining
    cat name Online Grocery
    cat name Premium
    cat name Shopping
    cat name Milestone Benefits
    cat name Co-branded
    cat name Brand Discount
    cat name Online Dining
    cat name Online Travel
    cat name Welcome Benefit
    cat name Offline Grocery
    cat name Offline Movies
    cat name Offline Dining
    cat name Movies
    cat name Online Movies
    cat name Lifetime Free
    cat name Rewards
    cat name Cashback
    cat name Fuel
    cat name Offline Travel
    cat name Offline Shopping
    cat name Online Shopping
    cat name Fee Waiver
    cat name Renewal Benefit

    Explore Cards from Leading Issuers

    HSBC Bank HDFC Bank SBI Cards American Express ICICI Bank Kotak Mahindra Bank Axis Bank Standard Chartered Bank YES BANK RBL Bank IndusInd Bank IDFC FIRST Bank AU Small Finance Bank Federal Bank BOBCARD Punjab National Bank SBM Bank Canara Bank Equitas Small Finance Bank IDBI Bank Indian Bank DBS Bank Bank of India
    icon

    Check eligibility for best credit cards

    Check Eligibility
    meter
    Menu