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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 10X CashPoints
Earn 10X CashPoints (20 CPs per ₹150) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy (combined cap of 2,500 points per calendar month). Earn 5X CashPoints on EMI spends at merchant locations (capped at 2,500 points per month). Earn 2 CashPoints per ₹150 spent on all other eligible categories. Excludes fuel, rent, wallet reloads, and government transactions.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Benefit: Earn a ₹500 gift voucher on spending ₹50,000 in a calendar quarter (up to ₹2,000 value annually)
Annual Fee Waiver: The ₹500 + 18% GST renewal fee is waived upon achieving ₹50,000 in eligible spends in the preceding anniversary year
Dining Benefits: Up to 20% discount at partner restaurants via Swiggy Dineout
Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle)
UPI Enabled: The RuPay variant can be linked to UPI apps (Google Pay
PhonePe
Paytm) to make merchant payments
An honest read on where this card earns its keep — and where it doesn't.
Excellent 10X reward multipliers on major daily platforms like Amazon
Flipkart, and Swiggy
RuPay variant availability allows linking the credit card to UPI apps for convenient merchant payments
Very low annual fee with an easily achievable ₹50,000 spend-based waiver target
The quarterly milestone voucher of ₹500 adds a straight ₹2,000 annual value for regular users
Strict combined capping on 10X CashPoints (max 2,500 points per month) limits the reward potential for heavy spenders
Does not offer any complimentary domestic or international airport lounge access
High foreign currency markup of 3.5% (+ GST) makes it a poor choice for international usage
Cashback redemption requires a minimum accumulation of points and incurs a ₹99 + 18% GST redemption fee
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC MoneyBack+ Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC MoneyBack+ Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC MoneyBack+ Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of 500 CashPoints upon payment of the joining fee.".
HDFC MoneyBack+ Credit Card earns CashPoints at a primary rate of Up to 10X CashPoints. Specifically, Earn 10X CashPoints (20 CPs per ₹150) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy (combined cap of 2,500 points per calendar month). Earn 5X CashPoints on EMI spends at merchant locations (capped at 2,500 points per month). Earn 2 CashPoints per ₹150 spent on all other eligible categories. Excludes fuel, rent, wallet reloads, and government transactions.. Spends in Entry Level, Shopping, Cashback, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, because HDFC MoneyBack+ Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on HDFC MoneyBack+ Credit Card can be redeemed for Statement Cashback (1 CP = ₹0.25), SmartBuy Flights & Hotels (1 CP = ₹0.25), Air Miles (1 CP = 0.25 Miles), Product Catalogue & Vouchers (1 CP = up to ₹0.25) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC MoneyBack+ Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC MoneyBack+ Credit Card levies a forex markup fee of 3.5% of the transaction amount + 18% GST (Effective 4.13%) on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC MoneyBack+ Credit Card currently features a welcome offer: "Welcome benefit of 500 CashPoints upon payment of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent 10X reward multipliers on major daily platforms like Amazon and Flipkart. However, keep in mind that Strict combined capping on 10X CashPoints (max 2 and 500 points per month) limits the reward potential for heavy spenders. Overall, HDFC MoneyBack+ Credit Card delivers strong value if your regular spending aligns with Entry Level, Shopping, Cashback, Lifestyle.
HDFC MoneyBack+ Credit Card is focused on Entry Level and Shopping and Cashback and Lifestyle valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, HDFC MoneyBack+ Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
