HDFC Moneyback Credit Card


The HDFC MoneyBack Credit Card and MoneyBack+ Credit Card are designed to reward your everyday spending with exciting benefits. Earn 10X CashPoints (3.3% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, and BigBasket, and 2 CashPoints per ₹150 on other spends. Enjoy perks like up to 20% discounts on partner restaurants via Swiggy Dineout and a 1% fuel surcharge waiver.

For RuPay Credit Card holders, UPI spends earn 2 CashPoints per ₹150, capped at 500 points monthly. Additionally, spend ₹50,000 quarterly to earn ₹500 gift vouchers and get the renewal fee waived with ₹50,000 annual spends.


HDFC Moneyback Credit Card joining fee is just ₹500, and the card has an interest rate of 3.49% per month, making it affordable and beginner-friendly. Compared to the annual fee, this card offers impressive benefits, including cashback at the end of the credit cycle.

HDFC MoneyBack Credit Card Features

Let us look at the key features of the HDFC Moneyback Credit Card that make it a popular choice for all spenders looking to maximize their rewards and benefits:

Feature Description
Welcome Benefit 500 Cash Points (applicable only on payment of membership fee).
Annual Spend-based Benefit Spend ₹50,000 and above in each calendar quarter to get ₹500 worth of gift vouchers.
Renewal Offer Spend ₹50,000 and above in the first year to get the renewal membership fee waived off.
Cashback Up to 1.00% cashback on spends.
Credit Period Up to 50 days of credit period.

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HDFC Moneyback Credit Card Eligibility Criteria

Before applying for the HDFC Moneyback Credit Card, it is important to know the eligibility requirements to simplify your application process and increase your chances of approval :

  • The applicant can be salaried or self-employed.
  • Age Range:
    • Salaried: 21 to 60 years.
    • Self-Employed: 21 to 65 years.
  • Must have a good credit history and a stable income flow.

Documents Required for HDFC MoneyBack Credit Card

While the exact documents required for the MoneyBack Credit Card are not mentioned on the official website, here are the basic documents typically needed for any credit card application:

  • KYC Documents (e.g., Aadhaar, Passport, or Driving License).
  • PAN Card.
  • Income Proof: Latest salary slips or Income Tax Returns (ITR).
  • Bank Statements and other supporting documents as required.

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HDFC MoneyBack Credit Card Benefits

The HDFC MoneyBack Credit Card allows you to earn both cashback and reward points on your transactions. A standout feature of this card is the ability to convert your reward points into cashback, which is typically not available on basic credit cards. Below are the details:

Reward Points

Transaction Type Reward Points Earned
All Transactions 2 Reward Points for every ₹150 spent
Online Transactions 4 Reward Points for every ₹150 spent

Reward Points Redemption

Transaction Type Reward Points Earned
All Transactions 2 Reward Points for every ₹150 spent
Online Transactions 4 Reward Points for every ₹150 spent

Other Benefits

Benefit Details
Welcome Benefit 500 Cash Points upon joining (post membership fee payment).
Annual Spend-Based Benefit ₹500 gift vouchers for spending ₹50,000 in a calendar quarter.
Renewal Fee Waiver Spend ₹50,000 in the first year to get the renewal fee waived.
Fuel Surcharge Waiver 1% waiver on fuel transactions (min ₹400, max ₹5,000 per transaction; capped at ₹250 per cycle).
Zero Lost Card Liability Report loss or fraud immediately to avoid liability.

This card also offers EMI options and several other features, making it an excellent choice for those seeking cashback, rewards, and flexibility in payments.

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HDFC Moneyback Credit Card Fees & Charges

To make the most of your HDFC Moneyback Credit Card, it is essential to be aware of the fees and charges so you budget effectively and avoid any additional charges:

Type of Fee/Charge Amount
Joining Fee ₹500
Annual Fee ₹500
Interest Rate 3.49% per month
Cash Withdrawal Fee 2.5% of the withdrawn amount (minimum ₹500)
Cash Advance Limit 40% of the credit limit

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HDFC Moneyback Credit Card Late Payment Charges

Outstanding Balance (₹) Late Payment Fee (₹)
Up to ₹100 Nil
₹101 to ₹500 ₹100
₹501 to ₹1,000 ₹500
₹1,001 to ₹5,000 ₹600
₹5,001 to ₹10,000 ₹750

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Additional Fee for HDFC Moneyback Credit Card

Charge Type Amount
Over Limit Charges 2.5% of the over-limit amount (minimum ₹500)
Payment Return Charges 2% of the payment amount (minimum ₹450)
Cash Processing Fee ₹100
Card Reissue Fee ₹100 for lost, stolen, or damaged cards
Foreign Currency Transaction Fee 3.5% of the transaction amount

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HDFC Moneyback Plus Credit Card

In addition to the benefits and features offered by the HDFC Moneyback credit card let us look at the same provided by the HDFC Moneyback Plus credit card, designed to enhance your rewards experience even further:

Feature HDFC Money Back+ Benefit Details
Rewards 10X CashPoints (3.3% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart, and BigBasket. 2 CashPoints per ₹150 on other spends.
Quarterly Spend Benefit ₹500 gift voucher on spending ₹50,000 per calendar quarter (up to ₹2,000 per year).
Dining Privileges Up to 20% discount on partner restaurants via Swiggy Dineout (20,000+ restaurants).
Fuel Surcharge Waiver 1% waiver on fuel transactions (₹400 - ₹5,000), max waiver ₹250 per statement cycle.
Welcome/Renewal Benefit 500 CashPoints on payment of membership fee.

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Read More: Check the Best Credit Cards from HDFC Bank from the linked page.

HDFC Moneyback Vs. HDFC Moneyback Plus Credit Card

To help you choose the right option for your spending habits, let us compare the features and benefits of the HDFC Moneyback credit card with those of the HDFC Moneyback credit card with those of the HDFC Moneyback Plus credit card:

Feature HDFC MoneyBack+ Credit Card HDFC MoneyBack Credit Card
Minimum Income Required Rs. 20,000 Rs. 25,000
Joining Fee Rs. 500 Rs. 500
Annual Fee Rs. 500 Rs. 500
Welcome Benefit 500 CashPoints 500 CashPoints
Reward Points Earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy; 5X CashPoints on EMI spends; and 2 CashPoints for every ₹150 spent on other purchases 2 reward points on every Rs. 500 spent, 2X rewards on every Rs. 150 spent online

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Steps to Apply For HDFC Moneyback Credit Card

Here is a simple guide to help you get started with the application process for the HDFC Moneyback Credit Card :

Step 1:Open the official website of HDFC Bank.

Step 2:Click on the ‘Pay’ option in the menu.

Step 3:From that click on the Cards Menu.

HDFC Bank official website homepage

Step 4:From the dropdown menu, select ‘Commercial Credit Cards’.

HDFC Bank Cards menu

Step 5:On the next page, click on ‘Purchase Solutions’.

HDFC Bank dropdown menu showing Commercial Credit Cards

Step 6:Scroll down slightly and look for the ‘Purchase MoneyBack Credit Card’.

HDFC Bank Purchase MoneyBack Credit Card section

Step 7:Click on ‘Enquire’, fill in the required details, and submit the form.

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Similar Credit Cards Offered By Top Banks

By comparing similar credit cards, you can get to know other valuable information that can lead to better rewards, lower interest rates and so on. Let us look at other similar credit cards offered by Top Banks:

Credit Card Annual Fee
HSBC Smart Value Credit Card ₹500
Standard Chartered Platinum Rewards ₹250
SBI SimplyClick ₹499
ICICI Bank Coral Contactless ₹500
IRCTC SBI Platinum ₹300

HDFC Moneyback Vs. Freedom Credit Card

Let us look at the HDFC Moneyback credit card with those of the HDFC Freedom credit card :

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Frequently Asked Questions

  • Earn 2 Reward Points for every ₹150 spent.
  • 2X Reward Points for online spends.
  • Reward Points can be redeemed for cash credit or gifts.
  • 1% fuel surcharge waiver.
  • Zero liability on lost card (post-reporting).

You can apply via:

  • Online: Visit the official HDFC Bank website, fill out the application form, and upload necessary documents.
  • Offline: Visit the nearest HDFC Bank branch with required documents.

  • The annual fee is ₹500 + applicable taxes.
  • The fee is waived if annual spends exceed ₹50,000.

  • Regular Spends: Earn 2 Reward Points per ₹150 spent.
  • Online Spends: Earn 4 Reward Points per ₹150 spent (2X points).

The interest rate ranges from 3.49% per month (or 41.88% per annum) depending on your usage and repayment history.

Yes, you receive 500 Cash Points as a welcome benefit upon paying the membership fee.

  • Log in to your HDFC Bank NetBanking account.
  • Go to the "Cards" section and select "Redeem Reward Points."
  • Choose from available options such as cash credit, merchandise, or vouchers.

The credit limit is determined based on your income, credit score, and existing financial obligations. It is communicated when your card is issued.

Yes, the card provides cashback in the form of reward points, which can be converted into statement credit.

  • Visit the HDFC Bank credit card application tracking page.
  • Enter your application reference number and registered mobile number to track your status.

While it does not offer extensive travel benefits, a 1% fuel surcharge waiver is available for transactions between ₹400 and ₹5,000.

  • Call HDFC Bank customer care and request cancellation.
  • Alternatively, you can write to HDFC Bank to request that the card be closed. Before canceling, ensure that all dues are cleared.

No, the HDFC MoneyBack Credit Card does not offer complimentary lounge access.

The MoneyBack Credit Card does not provide domestic or international airport lounge access.

The credit limit varies based on your income, credit score, and bank discretion, typically starting from ₹50,000.

Yes, it is beneficial for beginners, offering cashback on online spending, fuel surcharge waivers, and milestone benefits.

Cash withdrawal charges are 2.5% of the withdrawn amount or a minimum of ₹500.

The MoneyBack is a credit card offering rewards on spending, while the Millennium is a debit card linked to a savings account.

The MoneyBack Plus offers higher cashback, milestone benefits, and additional reward categories compared to the standard MoneyBack Card.

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