Credit Cards · Honest Review
HDFC Bank MoneyBack+ Credit Card
HDFC Bank · Mastercard
Your Verdict
- ✓5X CashPoints on Amazon, Flipkart, Swiggy, BigBasket
- ✓1% fuel surcharge waiver at HPCL pumps
- ✓Fee waived on ?50K annual spend
- ✓Redeem CashPoints as statement credit at ?0.50/point
- ✓No-cost EMI on partner merchants
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 ?50K in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend ?50K in a year |
| Spend required for waiver | ₹50,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
HDFC Bank MoneyBack+ Credit Card earns 0.67% on all eligible spends as a base reward rate, with accelerated rates on online shopping, groceries and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.67% |
| 🛒 Online Shopping | 3.33% |
| 🛒 Groceries | 3.33% |
500 CashPoints on first spend
Reward types: Cashback · Points
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.
Who can apply for HDFC Bank MoneyBack+ Credit Card
HDFC Bank MoneyBack+ Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5�7 working days |
Who should (and shouldn't) get HDFC Bank MoneyBack+ Credit Card
- → Heavy spenders on online shopping who want 3.33% back
- → Heavy spenders on groceries who want 3.33% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
HDFC Bank MoneyBack+ Credit Card — Questions answered
What is the annual fee for HDFC Bank MoneyBack+ Credit Card?
What is the minimum income required for HDFC Bank MoneyBack+ Credit Card?
What is the reward rate on HDFC Bank MoneyBack+ Credit Card for online shopping?
Does HDFC Bank MoneyBack+ Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Bank MoneyBack+ Credit Card?
How long does it take to get HDFC Bank MoneyBack+ Credit Card approved?
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Get My Personalised Verdict →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.