HDFC MoneyBack+ Credit Card is a rewards credit card that offers benefits across various categories. With this card, you can earn additional CashPoints on your spends at Amazon, Swiggy, BigBasket, Flipkart and Reliance Smart SuperStore. You can apply for this credit card if you are looking for an entry-level card with good reward benefits. Read on to know more about HDFC Bank MoneyBack+ Credit Card.
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Key Highlights of HDFC MoneyBack+ Credit Card | |
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| Best Suited For | Rewards |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 (Waived off on spending Rs. 50,000 in a year) |
| Minimum Income Required | Salaried: Rs. 20,000 p.m. Self-employed: ITR> Rs. 6 lakh p.a. |
| Welcome Benefit | 500 CashPoints on the payment of joining fee |
| Best Feature | 10X CashPoints on Amazon, Swiggy, BigBasket, Reliance Smart SuperStore & Flipkart |
| Paisabazaar’s Rating | ★★★ (3/5) |
Also read: Top HDFC Credit Cards
| On this page |
This credit card lets you earn reward points on every spend. Apart from the rewards, you can also earn other benefits, such as discount on dining, fuel surcharge waiver, EMI conversion and much more. Below mentioned are some of the major HDFC MoneyBack Plus Credit Card benefits:
This credit card offers rewards in the form of CashPoints. You can earn the following CashPoints with a MoneyBack+ Credit Card:
Things to Know:
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Suggested read: HDFC Bank Credit Card Reward Points
The card offers quarterly spend-based benefits. On spending Rs. 50,000 or above in a quarter, you get a gift voucher worth Rs. 500. This is capped at Rs. 2,000 worth of gift vouchers in a year. Apart from that, if you spend Rs. 50,000 or above in a year, you can get the Rs. 500 renewal fee waived off.
Welcome Benefit: HDFC Bank MoneyBack+ Credit Card comes with an activation benefit of 500 CashPoints wherein, 1 CashPoint = Re. 0.25. Thereby, you get a benefit of around Rs. 125.
Zero Lost Card Liability: The card comes with a zero lost card liability, thereby if you lose your card, then you are not liable for any fraud. However, ensure that you report the loss immediately to 24×7 HDFC Bank Credit Card customer care.
EMI Conversion: With this credit card, you can convert big purchases into easy EMIs post-purchase.
Contactless Payments: The card also enables contactless payments without entering the Credit Card PIN for up to a maximum of Rs. 5,000 for a single transaction.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000. The waiver is capped at Rs. 250 per statement cycle.
Suggested read: Popular Credit Cards in India
Below mentioned are the fees and charges applicable to HDFC Bank MoneyBack+ Credit Card:
| Fee Type | Details |
| Joining Fee | Rs. 500 |
| Annual/Renewal Fee | Rs. 500 (Waived off on spending Rs. 50,000 or more in a year) |
| Finance Charges | 3.6% p.m. (43.2% p.a.) |
| Late Payment Charges | For Statement Balance:
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To check other associated fees & charges with HDFC Bank MoneyBack+ Credit Card, click here.
The applicant must fulfill the below-mentioned eligibility criteria to apply for this HDFC Bank MoneyBack+ Credit Card:
| Criteria | Detail |
| Age Requirement | Min. 21 years to Max. 60 years (Max. 65 years for self-employed) |
| Minimum Income | For Salaried: Rs. 20,000 p.m. For Self-employed: ITR > Rs. 6 lakh p.a. |
| Documents Required | Click here for the list of documents |
| Serviceable Cities | Click here for the list of serviceable cities |
HDFC MoneyBack+ Credit Card is a good option for you if you are new to credit and are looking for a credit card with good reward benefits. The card offers up to 10X reward points across top brands such as BigBasket, Amazon, Reliance Smart SuperStore, Swiggy and Flipkart- this is great feature for an entry-level credit card with a low annual fee.
However, where the card lacks is offering a complimentary lounge access. Note that many zero annual fee credit cards or credit cards up to an annual fee of Rs. 500 offer this benefit. Thereby, no lounge access could be a drawback while opting for this card.
You should consider this credit card if you are looking for an entry-level credit card that offers good rewards or if you are a beginner looking for a low maintenance card, that can help you understand the functioning of credit cards but can also benefit you. However, you should consider other options if you are looking for benefits across a specific category such as fuel, or shopping, or if you are looking for an all-rounder credit card.
| Still Confused if you should opt for HDFC MoneyBack+ Credit Card or not? Read the full review here. |
HDFC MoneyBack+ Credit Card and HDFC MoneyBack Credit Card are two of the best HDFC Bank rewards credit cards. However, both these cards offer different reward benefits, as listed in the table below.
| HDFC MoneyBack+ Credit Card | HDFC MoneyBack Credit Card |
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Moneyback+ can be considered as an advanced variant of the Moneyback Card. The Plus variant offers a better CashPoint value ; for MoneyBack+, 1 CashPoint= Re. 0.25 whereas for MoneyBack it is Re. 0.20. To avail the MoneyBack+ Card, you need a minimum income of Rs. 20,000 per month for salaried, whereas for MoneyBack it is Rs. 25,000 per month.
Also read: HDFC MoneyBack Credit Card Vs. HDFC MoneyBack+ Credit Card
If you are looking for a rewards credit card, then you can refer to the cards mentioned in the table below:
| Credit Card | Annual Fee | Comparative Feature |
| SBI Card Prime | Rs. 2,999 | 10 rewards points on every Rs. 100 spent on dining, groceries, departmental stores, and movies |
| Citibank Rewards Credit Card | Rs. 1,000 | 10 reward points on every Rs. 125 spent on apparel and departmental stores (online & in-store) |
| Standard Chartered Platinum Rewards Credit Card | Rs. 250 | 5 reward points for every Rs.150 spent on dining, fuel and 1 reward point on other categories |
| HDFC Regalia Credit Card | Rs. 2,500 | 4 reward points for every Rs. 150 spent via this credit card |
| HDFC Diners Club Privilege Credit Card | Rs. 2,500 | 4 reward points for Rs. 150; 10X reward points on partner brands and 2X rewards on weekend dining |
Q. How can I apply for HDFC MoneyBack+ Credit Card?
A. You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of the bank and fill out an application form. However, if you want to apply offline, you are required to visit any of the nearest branches of the bank and contact an executive about the application process.
Q. Which transactions are not eligible for earning CashPoints via HDFC MoneyBack+ Credit Card?
A. You cannot avail CashPoints with a MoneyBack+ card on fuel spends, prepaid card reloads, wallet reloads, purchasing of vouchers, cash advances, payment of outstanding balance, card fees and other related charges and on Smart EMI transactions.
Q. What is the maximum CashPoint value I can earn with HDFC MoneyBack+ Credit Card?
A. 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.
Q. Can I withdraw cash using my HDFC MoneyBack+ Credit Card?
A. 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.
Q. Can I earn fuel surcharge waiver on every transaction via HDFC MoneyBack+ Credit Card?
A. 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.
