HDFC MoneyBack Plus Credit Card
HDFC Bank
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
2% points
Foreign Markup
3.5%
Fee Waiver
Waived on ₹50,000 annual spend
Interest Rate
3.75% per month (45% annually)
Welcome Benefits
500 CashPoints
Product Highlights
- 10X CashPoints on partner brands including Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart Store
- Gift vouchers worth up to ₹2,000 on achieving spending milestones
- Renewal fee waiver on ₹50,000 annual spend
Rewards
10X CashPoints on ₹150 spent at Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore. 2 CashPoints on every ₹150 spent on other retail purchases.
Redemption
1 Cash Point = ₹0.25 against statement balance, flight/hotel bookings, or product catalog.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 10%(10X CashPoints) | No cap |
dining | 10%(Up to ₹200 off) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 10X CashPoints(2,500 CashPoints/month) | online |
| Flipkart | 10X CashPoints(2,500 CashPoints/month) | online |
| Swiggy | 10X CashPoints(2,500 CashPoints/month) | online |
| BigBasket | 10X CashPoints(2,500 CashPoints/month) | online |
| Reliance Smart SuperStore | 10X CashPoints(2,500 CashPoints/month) | online |
Benefits & Features
Domestic: N/A International: N/A
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹20,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- High 10X CashPoints on partner brands
- Gift vouchers on achieving spending milestones
- Renewal fee waiver on ₹50,000 spend
Cons
- Low 2 CashPoints on non-partner merchants
- No complimentary lounge access
Additional Info
Important: CashPoints expire after 2 years from earning date
Card variant available in both Visa and RuPay; RuPay variant can link to UPI
Hidden benefit: Earn 2 Reward Points/₹150 on UPI spends, capped at 500 Reward Points each month
Max 2,500 CashPoints at 10X rate per month
Excluded Categories