HDFC

HDFC MoneyBack Plus Credit Card

Apply for HDFC MoneyBack Plus Credit Card for 10X CashPoints on SmartBuy, 2X online rewards & ₹500 vouchers on ₹50K spends. Best for online shoppers.

ShoppingOnline Food OrderingDiningGrocery Shopping
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Issued by

HDFC

HDFC MoneyBack Plus Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹20000
Credit Score720

Key Highlights

Shopping

Earn 10X CashPoints on Amazon and Flipkart

spends with a monthly reward capping of 2,500 CashPoints

Online Food Ordering

Earn 10X CashPoints on Swiggy spends

with a monthly reward capping of 15,000 CashPoints

Grocery Shopping

Earn 10X CashPoints on Reliance Smart

SuperStore and BigBasket spends with a monthly reward capping of 15,000 CashPoints

Dining

Get up to ₹200 off per on Swiggy Dineout

Discount using coupon code HDFCCARDS per transaction on a minimum order value of ₹2,000, up to twice per month

Earn 10X CashPoints on Amazon and Flipkart

spends with a monthly reward capping of 2,500 CashPoints

Get up to ₹200 off per on Swiggy Dineout

Discount using coupon code HDFCCARDS per transaction on a minimum order value of ₹2,000, up to twice per month

Eligibility

Age Criteria21-60

N/A

Credit Score720

N/A

Salaried Income₹2.4 LPA

N/A

Self-employed Income₹6 LPA

N/A

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹500

N/A

Joining Fee OffsetThe joining fee is not offset by any bonus or credit.
Annual Fee₹500

N/A

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹20343

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options

- Cashback (statement credit, ₹0.25/point, min 2,000 points = ₹500)
- Flights/Hotels (SmartBuy, 1 point = ₹0.25, max 50% of booking)
- Gift Vouchers/Products (up to 70% value via points)
- Rewards catalog

Earning ExclusionsRent payment, Fuel, Insurance, EMI Transactions, Cash Withdrawals, Jewellery, School & Educational Services, Government related transactions, Wallet transactions, Load money, Fees, GST charges, All Reversals, Gambling, Tolls, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges
Spend ExclusionsRent payment, Fuel, Insurance, EMI Transactions, Cash Withdrawals, Jewellery, School & Educational Services, Government related transactions, Wallet transactions, Load money, Fees, GST charges, All Reversals, Gambling, Tolls, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges

Benefits

All Benefits

  • 10X CashPoints (up to 3.3% valueback) on Amazon, Flipkart, Swiggy, BigBasket & partner merchants (monthly cap ₹2,500 for Amazon/Flipkart)
  • 10X CashPoints on online food ordering (monthly cap ₹15,000)
  • 2 CashPoints per ₹150 spent on all other transactions
  • ₹500 gift voucher on quarterly spends of ₹50,000 or more
  • Accelerated rewards across household and everyday spending categories

Welcome Benefits

  • 500 Reward Points on payment of joining fee

Flight Benefits

  • CashPoints can be redeemed against flight and hotel bookings via SmartBuy

Dining Benefits

  • 10% additional discount on Swiggy Dineout with code HDFCCARDS

Surcharge Waiver Benefits

  • 1% waiver on fuel transactions (min. ₹400, max. ₹5,000; max. ₹250 waiver per statement cycle)

Bank Offer

  • Up to ₹500 discount on Swiggy Dineout transactions using HDFC Bank Credit Cards
  • Flat ₹200 discount per transaction using coupon code (minimum order ₹2,000)
  • Maximum 2 redemptions per month per user

Milestone Benefits

Minimum Spend₹50000
Within90 days
Voucher Bonus₹500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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