Earn accelerated rewards on your everyday spending
10X CashPoints on Amazon, Flipkart & more
Earn CashPoints on payment of joining & renewal
1% fuel surcharge waiver
Enter your details to get started
| Benefit | Details |
|---|---|
| Accelerated CashPoints | Earn 10X CashPoints (20 CashPoints per ₹150 spent) on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore, and Swiggy, with a monthly cap of 2,500 bonus CashPoints. |
| Regular CashPoints | Earn 2 CashPoints for every ₹150 spent on all other purchases, excluding specific categories. |
| Welcome Benefit | Receive 500 CashPoints upon card activation. |
| Milestone Benefits | Get gift vouchers worth ₹500 every quarter on spending ₹50,000 or more. |
| Annual Fee Waiver | Annual fee of ₹500 + GST waived on annual spends of ₹50,000 or more. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Private Sector Bank |
| Category | Rewards / Entry-Level |
| Type of Card | Mastercard |
| Free or Paid | ₹500 Annually |
The HDFC Bank MoneyBack+ Credit Card is designed for individuals seeking an entry-level rewards credit card with accelerated benefits on popular e-commerce platforms and everyday spending. This card is particularly suitable for those who frequently shop online at partner brands like Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore. With its straightforward CashPoints earning structure and multiple redemption options, the card offers meaningful value for beginners entering the credit journey as well as regular shoppers looking to maximise returns on their monthly expenses. This card is combined with spend-based fee waivers and quarterly milestone benefits, making it an attractive option for young professionals, and individuals.
Interest-Free Credit Period: Enjoy an interest-free period of up to 50 days from the date of purchase, subject to the submission of the charge by the merchant, helping cardholders manage cash flow efficiently.
Zero Lost Card Liability: In the unfortunate event of losing the card, cardholders have zero liability on fraudulent transactions upon immediate reporting to the 24-hour HDFC Bank Credit Card customer care.
Contactless Payments: The card is enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets for amounts up to ₹5,000 per transaction.
Smart EMI Facility: Convert large purchases into easy monthly instalments at competitive interest rates post-purchase, providing flexibility in managing high-value expenses.
UPI Benefits on RuPay Variant: RuPay credit cardholders can earn 2 CashPoints for every ₹200 spent on UPI transactions.
10X CashPoints: Earn 10X CashPoints, which translates to 20 CashPoints for every ₹150 spent on transactions at the following partner brands:
Amazon
Flipkart
BigBasket
Reliance Smart SuperStore
Swiggy
2X CashPoints: Earn 2 CashPoints for every ₹150 spent on all other eligible purchases, including offline transactions and SmartPay transactions.
UPI CashPoints (RuPay Variant): RuPay credit cardholders earn 2 CashPoints for every ₹200 spent on UPI transactions, excluding fuel, wallet/prepaid card loads, and voucher purchases.
Note: CashPoints are not earned on fuel purchases, wallet loads, prepaid card loads, voucher purchases, rent payments, government transactions, Smart EMI conversions, cash advances, payment of outstanding amounts, and payment of card fees.
Statement Credit: Redeem CashPoints at the rate of 1 CashPoint = ₹0.25 against the credit card statement balance. A minimum of 500 CashPoints is required for redemption via net banking or physical redemption form.
Travel Bookings: Use CashPoints for flight and hotel bookings through the SmartBuy portal, redeeming up to a maximum of 50% of the booking value at 1 CashPoint = up to ₹0.25. The remaining amount must be paid using the credit card.
Airline Miles: Convert CashPoints to frequent flyer miles with partner airlines at a value of 1 CashPoint = up to ₹0.25.
Welcome Benefit: Receive 500 CashPoints upon card activation as a welcome gift.
Renewal Benefit: Earn 500 CashPoints every year upon card renewal, provided the annual fee is paid.
Quarterly Gift Vouchers: Receive a gift voucher worth ₹500 for every calendar quarter in which spending exceeds ₹50,000.
Swiggy Dineout Discount: Enjoy up to 20% discount on dining at premium restaurants across select cities in India. The discount is available when bill payment is made via the Swiggy app using Swiggy Dineout.
1% Waiver: Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India.
Maximum Benefit: The maximum fuel surcharge waiver is capped at ₹250 per statement cycle.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹500 + GST | Charged every year. Waived if annual spends are ₹50,000 or more. |
| Late Payment Fee | Up to ₹1,300 | Varies based on the due amount to be paid. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years, maximum 60 years |
Age (Self-Employed Individuals) | Minimum 21 years, maximum 65 years |
Nationality | Must be an Indian citizen |
Minimum Income (Salaried) | ₹20,000 per month net income |
Minimum Income (Self-Employed) | ₹6 lakh per annum (ITR) |
Credit Score | Good credit score of 750 or above recommended for better approval chances |
Other Criteria | Steady source of income, good credit history with no payment defaults, valid PAN card, valid Aadhaar card or government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Voter's ID, Driving Licence, or Person of Indian Origin (PIO) Card |
| Address Proof | Aadhaar Card, Passport, Voter's ID, Driving Licence, Ration Card, Electricity Bill (not more than 3 months old), Bank Account Statement, or Property Registration Document |
| Income Proof (Salaried) | Latest two months' salary slips, Form 16, and bank account statements for the previous 3 months |
| Income Proof (Self-Employed) | Latest Income Tax Returns, Form 16, audited financial statements, and bank account statements |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC Bank MoneyBack+ Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise 10X CashPoints | Use the card for all purchases at Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore to earn accelerated CashPoints. |
Plan Quarterly Spends | Aim to spend ₹50,000 every quarter to earn gift vouchers worth ₹500. |
Redeem CashPoints Timely | Redeem accumulated CashPoints before the 2-year validity period expires to avoid losing them. |
Utilise Dining Benefits | Make dining payments through Swiggy Dineout to enjoy up to 10% discount at premium restaurants. |
Convert to EMI | Convert high-value purchases into easy EMIs through the Smart EMI facility for better financial management. |
The HDFC Bank MoneyBack+ Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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