- Joining fee
Rs. 500 + GST
- Annual fee
Rs. 500 + GST
- Best suited for
Travel, Dining, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%.
- Welcome benefits
Get 500 Cash Points.
- Reward redemption
1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25 for redemption through Smartbuy Rewards portal
Benefits
- Movie & dining
Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout
Fees & charges
- Spend-based waiver
The renewal fee is waived off on spending Rs. 50,000 or above in the previous year.
- Rewards redemption fee
Rs. 99 per redemption request (plus applicable taxes)
- Foreign currency markup
3.5% per currency conversion (plus applicable taxes)
- Interest rates
3.6% per month (43.2% per annum)
- Fuel surcharge waiver
1% fuel surcharge waiver on all your fuel transactions using this credit card at all petrol pumps across India
- Cash advance charges
2.5% of the withdrawal amount subject to a minimum charge of Rs 500
Product highlights
- Enjoy 500 Cash Points as a Welcome Benefit with HDFC MoneyBack credit card
- Get 4 Reward Points on every Rs 150 spent online, and 2 Reward Points on every other spend of Rs. 150.
- Get a Gift voucher worth Rs 500 every calendar quarter on the spending of Rs 50,000.
- Redeem your reward points against exciting rewards and offer on the Smartbuy rewards portal.
- Spend Based Waiver on Annual fee.
- 1% fuel surcharge waiver up to Rs. 250 per month.
Eligibility
| Criteria | Salaried | Self-employed |
|---|---|---|
| Age | 21 Years to 60 Years | 21 Years to 65 Years |
| Income | Minimum Rs 3,00,000 per annum | Minimum Rs. 6,00,000 per annum (as per ITR) |
FAQs
Does this card comes with Zero Liability Protection against fraudulent transaction?
Yes, this card comes with Zero Protection liability against any fraudulent transactions made on your credit card if reported within a stipulated time to HDFC 24×7 customer care
What is the Interest Rate charged HDFC MoneyBack Credit card?
HDFC Bank charges 3.49% per month (41.88% per annum) on outstanding balance of a statement cycle
What is the cost per point(INR) for Air miles?
1 Reward Point = 0.25 Air Miles
What is the validity of the Reward Points accumulated on my HDFC Moneyback credit card?
These reward points are valid up to 2 years from the date of accumulation