Credit Cards · Honest Review

HDFC Bank MoneyBack Credit Card

HDFC Bank · Visa

₹500Annual fee
2.00%Base rate
₹20KMin income/mo
Apply Now →⊕ Compare

Your Verdict

HDFC Bank MoneyBack Credit Card
HDFC Bank · Visa
  • ✓4% cashback on online shopping and dining
  • ✓2% cashback on all other spends
  • ✓No cap on cashback earnings
  • ✓₹500 fee waived at just ₹50,000 annual spend
  • ✓Fuel surcharge waiver up to ₹250/month
₹500/yrAnnual fee
₹500
Annual fee
2.00%
Base reward rate
None
Lounge access
Good
CIBIL score
Our verdict
The HDFC MoneyBack Credit Card is an excellent entry-level card — 4% cashback on shopping and dining with no upper cap, and a very low ₹50,000 spend threshold to waive the ₹500 annual fee. One of the easiest HDFC cards to justify.
Fees & charges

What HDFC Bank MoneyBack Credit Card costs you

HDFC Bank MoneyBack Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹50,000/year.

FeeAmount
Annual fee (year 2+)₹500
Joining fee (one-time)₹500
Fee waiver conditionSpend ₹50,000/year
Spend required for waiver₹50,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

HDFC Bank MoneyBack Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)2.00%
🛒 Online Shopping4%
🍽️ Dining & Food4%
4%
Online Shopping
4%
Dining & Food

Reward types: Cashback

Benefits & perks

Beyond the reward rate

The non-reward benefits on HDFC Bank MoneyBack Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
No lounge access
This card does not include airport lounge access.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for HDFC Bank MoneyBack Credit Card

HDFC Bank MoneyBack Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹20,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹20,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get HDFC Bank MoneyBack Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 4% back
  • → Heavy spenders on dining & food who want 4% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
Frequently asked questions

HDFC Bank MoneyBack Credit Card — Questions answered

What is the annual fee for HDFC Bank MoneyBack Credit Card?
The annual fee is ₹500 from year 2 onwards, with a one-time joining fee of ₹500. The fee is waivable: Spend ₹50,000/year.
What is the minimum income required for HDFC Bank MoneyBack Credit Card?
Salaried applicants need a minimum net monthly income of ₹20,000. Self-employed applicants typically need equivalent annual income proof.
What is the reward rate on HDFC Bank MoneyBack Credit Card for online shopping?
HDFC Bank MoneyBack Credit Card earns 4% on online shopping with no monthly cap. On all other spends, the base reward rate is 2.00%.
Does HDFC Bank MoneyBack Credit Card provide airport lounge access?
HDFC Bank MoneyBack Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on HDFC Bank MoneyBack Credit Card?
The annual fee on HDFC Bank MoneyBack Credit Card is automatically waived when you meet the spend threshold: Spend ₹50,000/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get HDFC Bank MoneyBack Credit Card approved?
Most applications for HDFC Bank MoneyBack Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
Not sure if this card suits you?

Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.

Get My Personalised Verdict →
Apply for HDFC Bank MoneyBack Credit Card →⊕ Compare with other cards

Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.