- Joining fee
₹500 + GST
- Annual fee
₹500 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
10X CashPoints/₹200 on Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore, and 2 CashPoints/₹200 on Retail Purchases
- Welcome benefits
500 CashPoints
- Reward redemption
CashPoints redeemable for cashback, purchasing products, flight/hotel bookings via SmartBuy and partner airlines’ AirMiles
Benefits
- Movie & dining
Up to ₹200 on Dining Bills With Swiggy Dineout
Fees & charges
- Spend-based waiver
Renewal fee waived off on spending Rs. 50,000 or more in the previous year
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5%
- Interest rates
3.75% Per Month (45% Annually)
- Fuel surcharge waiver
1% fuel surcharge waiver applicable on all fuel transactions
- Cash advance charges
2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Product highlights
- 500 CashPoints as a welcome gift.
- 2 CashPoints for every ₹200 you spend with the card (except fuel, wallet reloads, prepaid card reloads, and voucher purchases).
- 10X CashPoints on partner brands, including Amazon, Flipkart, Reliance Smart Store, BigBasket, and Swiggy.
- Gift voucher worth ₹500 on spends of ₹50,000 in a calendar quarter (max benefit of ₹2,000 in a year).
- Up to ₹200 off on dining at over 2,000 premium restaurants in select cities.
- Get a waiver on the annual fee for an annual expenditure of a minimum of ₹50,000.
- A 1% waiver on fuel surcharge.
FAQs
Is HDFC MoneyBack Plus credit card lifetime free?
No, the HDFC MoneyBack Plus Card is not lifetime free. It comes with an annual fee of ₹500, which is waived on spending ₹50,000 or more in the previous year.
What is the maximum limit of an HDFC MoneyBack Plus Credit Card?
As the HDFC MoneyBack Plus Credit Card is a basic card, cardholders don’t get a very high credit limit. The maximum limit of this card can go up to around ₹1.5 lakhs.
What is the difference between MoneyBack and MoneyBack Plus Credit Card?
The MoneyBack Plus Card is an updated version of the MoneyBack Credit Card, which the bank no longer issues.
What is HDFC Moneyback Plus Credit Card Reward Points value in rupees?
For redemption against statement balance, flight/hotel bookings/product catalog, the value of 1 Cash Point = ₹0.25 for the HDFC Bank MoneyBack Plus Credit Card.
Is there any maximum cap on the fuel surcharge waiver?
Yes, a maximum waiver of ₹250 can be claimed with this card every month.
Do I get any renewal benefits with the HDFC Bank MoneyBack+ Credit Card?
Yes, every time you renew your Moneyback Plus card, you will get 500 bonus cash points.
What are the ATM withdrawal charges for this credit card?
A cash advance fee of 2.5% (minimum ₹500) would be applicable towards any cash withdrawn with this card.