HDFC MoneyBack+ Credit Card: Maximize Cashback on Shopping in 2025

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Card Fees

₹500/-

Joining Fees

₹500/-

Annual Fees

3.5%

Foreign Transaction Fee

45%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

20,000/-

Minimum monthly income

750

Minimum Credit Score

Category

, ,

Minimum Credit Score Required

750

Annual Charges

₹500/-

Features

  • 4X rewards on Amazon, Flipkart
  • 1X on all other spends
  • Redeem rewards for cashback

Welcome Offer

  • Get ₹500 worth of gift vouchers on spending ₹15,000 in the first 90 days

The HDFC MoneyBack Credit Card is a cashback card designed for those who love online shopping and want to save on their everyday expenses. It comes with a low annual fee and attractive reward programs. Plus, if you apply through BankBazaar, you might get the joining and annual fee waived (T&C apply).

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

Welcome Bonus:

  • Get 500 reward points as a joining gift.
  • Renew your card and earn 500 additional reward points.

Milestone Rewards:

  • Spend Rs.50,000 or more in a quarter to receive an e-voucher worth Rs.500 (valid for 60 days).

Cashback & Reward Points:

  • Earn 2 reward points for every Rs.150 spent.
  • Get double points on online purchases.
  • Redeem points as cashback (100 points = Rs.20).

Fuel Savings:

  • Save up to Rs.1,800 annually with fuel surcharge waivers (minimum spend of Rs.400 required per transaction).

Zero Liability Protection:

  • Report your card lost immediately, and you won’t be held responsible for any unauthorized transactions.

Reward Points Program:

  • Earn 2 points for every Rs.150 spent.
  • Get 2X points for online shopping.
  • Redeem points for cashback, air miles, or gifts from the rewards catalog.
  • Minimum 2,500 points required for redemption. Points expire after 2 years.

Fees And Charges

Type of ChargesAmount
Joining FeeRs.500
Annual FeeRs.500
Interest Rate3.49% per month
Cash Withdrawal Fee2.5% of the amount (min Rs.500)
Late Payment Charges:Up to Rs.100 – Nil

Rs.101 to Rs.500 – Rs.100

Rs.501 to Rs.1,000 – Rs.500

Rs.1,001 to Rs.5,000 – Rs.600

Rs.5,001 to Rs.10,000 – Rs.750

Rs.10,001 to Rs.25,000 – Rs.900

Rs.25,001 to Rs.50,000 – Rs.1,100

Over Rs.50,000 – Rs.1,300
Foreign Transaction Fee3.5%
Card Reissue (lost or damaged)Rs.100
Over-limit Charges 2.5% of the over-limit amount (min Rs.500)
Cash Processing FeeRs.100
Reward Redemption FeeRs.99 per redemption request

Pro and Cons:

Pros:

  • Accelerated rewards on online shopping
  • Points can be redeemed as cashback
  • Fuel surcharge waiver available

Cons:

  • No airport lounge access
  • Cashback not direct, needs redemption
  • ₹500 fee if spend target not met

How To Apply

  1. Visit the official HDFC Bank website.
  2. Click on ‘Check Eligibility’ at the top.
  3. Enter your details and check if you qualify.
  4. If eligible, proceed with the application by submitting the necessary documents.
  5. Once submitted, you’ll receive an acknowledgment message with an application ID to track your status.

Documents Required

  • KYC documents
  • PAN Card
  • Income proof (salary slips or ITR)
  • Bank statements

Additional Information

Credit Limit Details

Your credit limit will be determined based on your income, credit score, and repayment habits. The limit can vary between Rs.25,000 to Rs.2 lakh. Exact details will be shared after your application is approved.

  1. What is the credit limit on the MoneyBack Credit Card?
    The credit limit is customized for each applicant based on income and credit score. It can range from Rs.25,000 to Rs.2 lakh. The final limit will be communicated when you receive the card.
  2. Can I use this card on PayZapp without fees?
    Yes, link your MoneyBack Credit Card to PayZapp and make payments directly or add funds without any extra charges.
  3. What are the downsides of this card?
    Though the MoneyBack card offers cashback, it lacks premium lifestyle benefits like travel or dining rewards. Additionally, reward redemption may require a high point balance.
  4. How can I redeem reward points for cash?
    Once you collect at least 2,500 points, you can redeem them for cashback at a rate of 100 points = Rs.20. The cashback is adjusted against your card outstanding.
  5. Can I get an add-on card for family members?
    Yes, you can apply for a supplementary card for family members over 18 years. The add-on card is free for life and comes with the same benefits as the primary card.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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