MoneyBack+
HDFC Bank · Credit card

MoneyBack+

A credit card from HDFC Bank. Facts below come from the issuer's own documents.

MO
Annual fee
₹500
Fee waiver
Spend ₹50,000 a year
Rewards
  • 2 CashPoints per ₹200 other eligible spends
  • 10X CashPoints at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket

Benefits & rewards

Issuer information
Rewards
  • 2 CashPoints per ₹200 other eligible spends
  • 10X CashPoints at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket
Reward cap
Not available
Lounge access
Not included
Does not earn on
Not eligible. · Cash transactions, Dial-An-EMI, Cash-on-Call, Balance Transfer, Personal Loan on Credit Card, reversed/cancelled transactions, returned purchases, disputed/unauthorised/fraudulent transactions, and Card Account Fees.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹500
Joining fee
₹500
Fee waiver
Spend ₹50,000 in a year
Foreign purchases
3.5% markup on international spends
Eligibility
Salaried or self-employed · Age 21+ · Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against HDFC Bank's own pages. Only independently approved changes appear here.

  1. Eligibility
    Changed
    20000 salaried; 600000 self-employed; age 21Indian nationals: salaried age 21–60 with monthly net income above ₹20,000; self-employed age 21–65 with annual ITR above ₹6 lakh.

    Eligibility changed from 20000 salaried; 600000 self-employed; age 21 to Indian nationals: salaried age 21–60 with monthly net income above ₹20,000; self-employed age 21–65 with annual ITR above ₹6 lakh.

    Verified 12 Sep 2026 · previous value recorded 14 Aug 2026 · issuer page
  2. Reward rates
    Changed
    general 2X Reward Points on every ₹200 spent online; general 2 reward points for every ₹150 spent, 2X rewards for online transactions (equivalent to 4 RP per Rs ₹150 spent online); general 2 reward points for every ₹150 spent; general 2X rewards for online transactions (equivalent to 4 RP per Rs ₹150 spent online)2 CashPoints per ₹200 other eligible spends; 10X CashPoints at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket.

    Reward rates changed from general 2X Reward Points on every ₹200 spent online; general 2 reward points for every ₹150 spent, 2X rewards for online transactions (equivalent to 4 RP per Rs ₹150 spent online); general 2 reward points for every ₹150 spent; general 2X rewards for online transactions (equivalent to 4 RP per Rs ₹150 spent online) to 2 CashPoints per ₹200 other eligible spends; 10X CashPoints at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket.

    Verified 12 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.