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Side-by-Side Comparison|Updated March 2026

HDFC Bank MoneyBack+ Credit Card vs HDFC Bank MoneyBack+

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

HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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HDFC Bank

HDFC Bank MoneyBack+

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank MoneyBack+ Credit CardHDFC Bank MoneyBack+
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.33333333333333337%0.33333333333333337%
Reward CurrencyCashPointsCashPoints
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank MoneyBack+ Credit Card

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

HDFC Bank MoneyBack+

  • 0% on Partner Merchants (Amazon, ...
  • 0% on Merchant EMI Spends

Pros & Cons

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.

HDFC Bank MoneyBack+

Pros

  • 10X CashPoints (3.3% value back) on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart SuperStore.
  • 5X CashPoints on EMI transactions at merchant locations.
  • Quarterly milestone benefit of ₹500 gift voucher on ₹50,000 spend.
  • Low annual fee waiver threshold of ₹50,000 per year.

Cons

  • Very low base reward rate of 0.33% (2 CP per ₹150) on non-partner spends.
  • No complimentary domestic or international airport lounge access.
  • Monthly reward caps on grocery (1,000 CP) and partner spends (2,500 CP) limit high-value utility.

Our Verdict

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

Choose HDFC Bank MoneyBack+ Credit Card if

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

Choose HDFC Bank MoneyBack+ if

Ideal for first-time credit card users who shop frequently on Amazon, Flipkart, and Swiggy.

Frequently Asked Questions

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

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