HDFC Bank MoneyBack+ Review 2026: Fees, 10X Rewards & Benefits
Detailed review of HDFC Bank MoneyBack+ Credit Card. Learn about 10X CashPoints on Amazon & Flipkart, ₹500 quarterly vouchers, and annual fee waiver conditions.
The HDFC Bank MoneyBack+ is a solid entry-level card that excels for online shoppers and grocery buyers. While its base reward rate is underwhelming, the 10X acceleration on major platforms and the quarterly milestone vouchers provide significant value for modest spenders.
Rewarding Credit Card For Everyday Spends
The Bottom Line
The HDFC Bank MoneyBack+ is a solid entry-level card that excels for online shoppers and grocery buyers. While its base reward rate is underwhelming, the 10X acceleration on major platforms and the quarterly milestone vouchers provide significant value for modest spenders. With a ₹500 annual fee that is waived on ₹50,000 yearly spend, it offers 0% rewards on partner merchants (amazon, ... and 500 bonus points. For anyone researching hdfc bank moneyback credit card, the verdict is simple: recommended.
It earns a base reward rate of 0.33333333333333337% and stacks best when your spending lines up with Beginner Shopper, Budget-conscious Household. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealIdeal for first-time credit card users who shop frequently on Amazon, Flipkart, and Swiggy.
Strong rewards on groceries (BigBasket) and departmental stores (Reliance Smart) with an easy fee waiver.
Probably not for
SkipLacks lounge access and travel-specific perks like air mile conversion or low forex markup.
Low monthly reward caps and base rates make it less rewarding for spends outside partner merchants.
Is It Worth It For You?
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Reward Rates
HDFC Bank MoneyBack+ offers 0.33333333333333337% basic reward rate.
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Welcome Offer
Milestone Benefits
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 700
- Salaried individuals must earn > ₹20,000 per month. Self-employed individuals must have an ITR > ₹6 Lakhs per annum.
Exclusions & Terms
Fuel
Wallet Loading
Rent Payments
Government Transactions
Education (via 3rd party apps)
Cash Advances
Frequently Asked Questions
3 data-backed answers from our card database