HDFC Bank MoneyBack+ Credit Card benefits
- 20 CashPoints per ₹200 at 5 merchants, up to 2,500 a month
- 2 CashPoints per ₹200 on other eligible spends
- ₹500 gift voucher on ₹50,000 of spends in a calendar quarter
- ₹500 joining and renewal fee, plus GST
- Renewal fee waived on ₹50,000 of yearly spends
- Earn rate changed on 15 May 2026, from multiples of ₹150 to multiples of ₹200
HDFC Bank MoneyBack+ Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Amazon, BigBasket, Flipkart, SwiggyOnly at 5 merchants: Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy. EMI spends do not qualify. Other online shops earn the base rate. | 10 points per ₹100 | 2,500 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.2 in the usual redemption.
No rewards on: Fuel, rent, government payments, wallet, gift and prepaid card loads, voucher purchases, all EMI, cash advances, card fees and charges, online skill-based gaming, and education payments made through third-party apps.
All reward rules
- The bank gives 2 CashPoints per ₹200 on other spends and 20 CashPoints per ₹200 at the 5 merchants. That is 1 and 10 per ₹100. This rate applies from 15 May 2026, when points moved from multiples of ₹150 to multiples of ₹200.
- The point value shown is for statement cashback on the bank's card page: 1 CashPoint = ₹0.20. The same page gives up to ₹0.25 for the catalogue and SmartBuy flights and hotels. The bank's terms say up to ₹0.25 for all of these and describe the 10X rate as up to 2.5% value back.
- A ₹50 fee applies each time you redeem rewards as statement credit.
- On the RuPay card, UPI spends earn 2 CashPoints per ₹200, capped at 500 in a calendar month.
- Grocery spends are capped at 1,000 reward points a month.
- The most you can earn in a statement cycle is 15,000 reward points.
- Spend ₹50,000 in a calendar quarter to get a ₹500 gift voucher.
- Unused CashPoints lapse after 2 years.
HDFC Bank MoneyBack+ Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹50,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. The renewal fee is waived if you spend ₹50,000 in a year. You get 500 CashPoints when the joining fee is paid and 500 CashPoints when the renewal fee is paid.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000. Maximum waiver is ₹250 per statement cycle.
HDFC Bank MoneyBack+ Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹2,40,000 a year
- Self-employed income
- ₹6,00,000 a year
Indian nationals. Salaried: age 21 to 60 and monthly income above ₹20,000. Self-employed: age 21 to 65 and ITR above ₹6 lakh a year.
The bank alone decides approval and your credit limit.
HDFC Bank MoneyBack+ Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
What is the annual fee of the HDFC MoneyBack+ Credit Card?
The joining fee and the renewal fee are both ₹500 plus GST. The renewal fee is waived if you spend ₹50,000 in a year.
Is the HDFC MoneyBack+ Credit Card lifetime free?
No. Under the standard terms it has a ₹500 yearly fee. You can avoid the renewal fee by meeting the ₹50,000 yearly spend.
What is the eligibility for the HDFC MoneyBack+ Credit Card?
Salaried applicants must be 21 to 60 years old with monthly income above ₹20,000. Self-employed applicants must be 21 to 65 years old with an ITR (income tax return) above ₹6 lakh a year.
What is the CashPoints limit on the MoneyBack+ Credit Card?
You can earn up to 2,500 CashPoints in a calendar month at the 10X rate. Grocery spends are capped at 1,000 reward points a month. The most you can earn in a statement cycle is 15,000 reward points.
What is 1 CashPoint worth on the MoneyBack+ Credit Card?
The bank's card page gives ₹0.20 for statement cashback and up to ₹0.25 for the catalogue and SmartBuy travel. The bank's terms say up to ₹0.25. A ₹50 fee applies when you redeem as statement credit.
Does the MoneyBack+ Credit Card give lounge access?
The bank's card page lists no airport lounge benefit for this card.
Does the MoneyBack+ Credit Card have a fuel surcharge waiver?
Yes. You get a 1% waiver on fuel transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle. Fuel spends earn no CashPoints.