HDFC MoneyBack+ Credit Card Review 2026: Fees, 10X Rewards & Benefits
Detailed review of HDFC Bank MoneyBack+ Credit Card. Learn about 10X CashPoints on Amazon & Flipkart, ₹500 annual fee waiver, and eligibility criteria.
The HDFC MoneyBack+ is a solid starter card that excels in rewarding everyday online shopping and grocery spends. While it lacks travel perks like lounge access, its 3.3% value back on key partners and low fee waiver threshold make it highly accessible for beginners.
Rewarding Credit Card For Everyday Spends
The Bottom Line
The HDFC Bank MoneyBack+ Credit Card is the HDFC MoneyBack+ is a solid starter card that excels in rewarding everyday online shopping and grocery spends. While it lacks travel perks like lounge access, its 3.3% value back on key partners and low fee waiver threshold make it highly accessible for beginners. With a ₹500 annual fee that is waived on ₹50,000 yearly spend, it offers 0.83% 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 first-time-user, online-shopper. 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
IdealLow income eligibility and simple reward structure make it an excellent entry-level card.
High rewards on Amazon, Flipkart, and BigBasket provide significant value for regular online buyers.
Probably not for
SkipLacks lounge access and travel-specific perks like air miles or hotel vouchers.
Reward caps on 10X categories and low base rate make it less rewarding for spends above ₹25,000/month.
Is It Worth It For You?
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Reward Rates
HDFC Bank MoneyBack+ Credit Card offers 0.33333333333333337% basic reward rate.
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Welcome Offer
On payment of joining membership fee
Milestone Benefits
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 700
- Salaried: Age 21-60, Net Monthly Income > ₹20,000. Self-employed: Age 21-65, ITR > ₹6 Lakhs per annum.
Exclusions & Terms
Fuel
- Eligible for surcharge waiver instead
Wallet Loading
- Standard exclusion
Rent Payments
- Standard exclusion
Government Transactions
- Standard exclusion
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Frequently Asked Questions
3 data-backed answers from our card database