HDFC Bank
HDFC Bank MoneyBack Plus Credit Card
Best for online-shopping, cashback
₹500/yr annual fee · 10x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹500/yr
Reward rate
10x
Min. income
₹6,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 700+
Reward cap
10X category cap not explicit on current page; 500 Reward Points on payment of joining fee as welcome
Welcome benefit
₹500 gift voucher on quarterly spends of ₹50,000
Who is this for
- Online shopper
- Cashback seeker
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Not explicitly stated on the official FAQ page (catalog has no waiver either; spend-based waivers are typically missing for this card) |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹50,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 10X CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket (≈ 2.5% value-back); 2 CashPoints p… | 10X category cap not explicit on current page; 500 Reward Points on payment of joining fee as welcome | 1 CashPoint ≈ ₹0.25 (cashback / vouchers / statement credit via SmartBuy) |
| ONLINE | 10.00 | ₹5,000/yr | 0.25 |
| SHOPPING | 10.00 | ₹5,000/yr | 0.25 |
Benefits
-
Domestic lounge access
None
-
International lounge access Highlight
None
-
Milestone benefits Highlight
₹500 gift voucher on quarterly spends of ₹50,000
-
Fuel surcharge waiver
1% waiver on fuel transactions between ₹400 and ₹5,000; max ₹250 per statement cycle
Eligibility
- Age
- 21–60 years
- Min. income
- ₹6,00,000
- Min. credit score
- 700+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements
HDFC Bank MoneyBack Plus Credit Card is a VISA credit card from HDFC Bank. It is best suited for online-shopping, cashback.
Fees and rewards
- Annual fee: ₹500
- Joining fee: ₹500
- Rewards: 10X cashback on partner spends; 2X on PayZapp
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the HDFC Bank MoneyBack Plus Credit Card apply walkthrough →
Apply for HDFC Bank MoneyBack Plus Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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