HDFC MoneyBack+ Credit Card: Fees, Rewards & Benefits
Dining card
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An entry-level shopping card offering 10X on five big online partners (capped at 2,500 points/month) for a ₹500 fee and easy ₹50,000 waiver. The ₹0.25 CashPoint value means real returns are modest unless you concentrate spends on partners.
Dining card
The Bottom Line
The HDFC MoneyBack+ is built for online retail shopper and budget rewards starter. With a ₹500 annual fee that is waived on ₹50,000 yearly spend, it offers 3.33% rewards on flipkart (shopping) and 500 bonus points. It makes the most sense if your spending matches online retail shopper and budget rewards starter.
It earns a base reward rate of 0.33333333333333337% and stacks best when your spending lines up with Online retail shopper, Budget rewards starter. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers who concentrate Amazon, Flipkart, Swiggy and grocery spends can capture 10X within the 2,500-point monthly cap on a cheap ₹500 card.
Earners around ₹2.4 Lakhs wanting accelerated online rewards and a quarterly voucher at minimal cost.
Probably not for
SkipAt ₹0.25 per CashPoint the base return is roughly 0.3%, poor for anyone optimizing real value.
Without partner online spends the card defaults to a weak base rate, with fuel, rent and bills earning nothing.
Is It Worth It For You?
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Reward Rates
HDFC MoneyBack+ offers 0.33333333333333337% basic reward rate.
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Welcome Offer
Applicable only on payment of membership fee.
Milestone Benefits
Gift voucher on spends of ₹50,000 and above in each calendar quarter.
Renewal membership fee waiver on annual spends of ₹50,000.
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 700
- Entry-level card; min ₹20,000/month salaried or ITR >₹6 lakh self-employed; annual fee ₹500 waived on ₹50,000 spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI (conversion of retail spends / SmartEMI / Dial An EMI)
- No rewards on retail-spend EMI conversion, SmartEMI and Dial An EMI (DAE). Note: Merchant/EasyEMI, Aggregator EMI and Brand EMI at merchant locations DO earn 5X CashPoints (see accelerated rates).
Cash Advance
- No rewards
Fees & Charges
- No rewards
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹500 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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