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Side-by-Side Comparison|Updated March 2026

HDFC Bank Flipkart Wholesale Credit Card vs HDFC Bank MoneyBack+ Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Flipkart Wholesale Credit Card

7/10
Annual Fee₹499
Base Rewards1%
NetworkDiners Club
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HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Flipkart Wholesale Credit CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹499₹500
Joining FeeFree₹500
Fee Waiver Spend₹3,00,000₹50,000
Base Reward Rate1%0.33333333333333337%
Reward CurrencyCashbackCashPoints
NetworkDiners ClubVisa
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Flipkart Wholesale Credit Card

No accelerated rewards listed

HDFC Bank MoneyBack+ Credit Card

  • 0.83% on Partner Merchants (Amazon, ... — 2500 pts/month
  • 0.42% on EMI Spends (Merchant Locati... — 2500 pts/month

Pros & Cons

HDFC Bank Flipkart Wholesale Credit Card

Pros

  • 5% cashback on Flipkart Wholesale online purchases (capped at ₹2,000 per month).
  • 5% cashback on Telecom, Utility, Government, and Tax payments (capped at ₹250 per month).
  • Welcome benefit of ₹1,500 cashback via ₹500 off on the first three transactions.
  • Low annual fee of ₹499 with a waiver on spending ₹3 Lakhs annually.

Cons

  • Monthly cashback caps are relatively low for high-volume business users.
  • No cashback on rental, education, wallet loads, or fuel transactions.
  • High interest rate of 45% APR if the full balance is not paid.

HDFC Bank MoneyBack+ Credit Card

Pros

  • 10X CashPoints (3.3% value back) on major platforms like Amazon, Flipkart, and Swiggy.
  • Low annual fee of ₹500, easily waived with a modest annual spend of ₹50,000.
  • Quarterly milestone benefit of ₹500 gift voucher on spending ₹50,000.
  • RuPay variant allows for UPI payments with reward point earnings.

Cons

  • No complimentary domestic or international airport lounge access.
  • Monthly capping of 2,500 CashPoints on accelerated 10X categories limits high spenders.
  • Low base reward rate of 0.33% (2 points per ₹150) on non-partner spends.

Our Verdict

Both HDFC Bank Flipkart Wholesale Credit Card and HDFC Bank MoneyBack+ Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank Flipkart Wholesale Credit Card if

Ideal for Kirana store owners who source inventory through Flipkart Wholesale and want to save on utility bills.

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level card.

Frequently Asked Questions

Which is better: HDFC Bank Flipkart Wholesale Credit Card or HDFC Bank MoneyBack+ Credit Card?
Both HDFC Bank Flipkart Wholesale Credit Card and HDFC Bank MoneyBack+ Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between HDFC Bank Flipkart Wholesale Credit Card and HDFC Bank MoneyBack+ Credit Card?
HDFC Bank Flipkart Wholesale Credit Card has an annual fee of ₹499, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. HDFC Bank Flipkart Wholesale Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank Flipkart Wholesale Credit Card or HDFC Bank MoneyBack+ Credit Card?
HDFC Bank Flipkart Wholesale Credit Card offers a base reward rate of 1%. HDFC Bank MoneyBack+ Credit Card offers 0.33333333333333337% base rewards with bonuses on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... The better choice depends on your primary spending categories.
Can I have both HDFC Bank Flipkart Wholesale Credit Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Flipkart Wholesale Credit Card and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Flipkart Wholesale Credit Card or HDFC Bank MoneyBack+ Credit Card?
For beginners, HDFC Bank Flipkart Wholesale Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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