Basic Information

Welcome Benefits 500 CashPoints on payment of joining membership fee

Card Details Card Name: HDFC Bank MoneyBack+ Credit Card; Bank Name: HDFC Bank; Card Type: Cashback / Rewards Credit Card

Card Category Entry Level

Payment Network Visa / Mastercard / RuPay

Eligibility Nationality: Indian; Salaried: Minimum age 21 years, maximum 60 years, net monthly income above ₹20,000; Self-employed: Minimum age 21 years, maximum 65 years, ITR above ₹6 lakh per annum

Rewards Program

Reward Points 10X CashPoints: 20 CashPoints per ₹150 spent on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy; Other spends: 2 CashPoints per ₹150; Maximum 2,500 CashPoints per calendar month under 10X feature; Maximum 15,000 CashPoints per statement cycle

Cashback Up to 2.5% valueback on eligible 10X CashPoints spends

Redemption CashPoints can be redeemed as Cashback, Reward Catalogue and SmartBuy Travel; Flight & Hotel bookings via SmartBuy

Travel Benefits

Travel Offers Flight & Hotel booking redemption through SmartBuy

Shopping Benefits

Online Shopping 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy

Brand Offers 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS

Fuel Benefits

Fuel Savings 1% Fuel Surcharge Waiver; Minimum transaction ₹400; Maximum transaction ₹5,000; Maximum waiver ₹250 per statement cycle

Dining & Entertainment

Dining 10% additional discount on Swiggy Dineout

Add-on Features

EMI Features Smart EMI: Eligible big spends can be converted into EMI after purchase

Fees & Charges

Joining Charges ₹500 + applicable taxes

Annual Charges Annual Fee: ₹500 + applicable taxes; Renewal benefit: 500 CashPoints on payment of membership fee

Finance Charges Interest Rate: 3.6% per month

Cash Advance Charges Cash Withdrawal Fee: 2.5% of withdrawn amount or minimum ₹500, whichever is higher

EMI Charges Smart EMI: Option to convert eligible big spends into EMI after purchase

Customer Support

Service 24×7 customer support

Performance & Ratings

Best Usage Household Spending, Online Shopping, Grocery, Food Delivery, Cashback / Rewards

Advantages 10X CashPoints on selected household-spending merchants; Quarterly ₹500 gift voucher; Fuel surcharge waiver; Smart EMI; Contactless payment; Zero lost card liability

Limitations 10X CashPoints केवल eligible non-EMI spends पर; Fuel, EMI, Rent, Government transactions, Wallet / Gift / Prepaid Card loads एवं Voucher purchases पर regular CashPoints नहीं; 10X benefit की maximum limit 2,500 CashPoints per calendar month