Explore Benefits of HDFC BankMoney Back +Credit Card

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HDFC Bank

Explore Money Back + Credit Card

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Cash Advance Charges Cash Withdrawal Fee: 2.5% of withdrawn amount or minimum ₹500, whichever is higher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

Instant Check Eligibility | Money Back + Credit Card

Instant Check Eligibility

Frequently Asked Questions About Money Back + Credit Card

What is HDFC Bank MoneyBack+ Credit Card and what are its main benefits?

HDFC Bank MoneyBack+ Credit Card is a cashback-focused credit card designed for everyday spending. It offers cashback benefits on eligible online shopping, grocery purchases and selected merchant categories. Cardholders can also enjoy reward points on eligible transactions, making it useful for managing regular expenses while earning additional value on purchases.

How can I apply for HDFC MoneyBack+ Credit Card online in India?

You can apply for HDFC MoneyBack+ Credit Card online by visiting the Sum New Victory website and selecting the MoneyBack+ Credit Card option. Complete the application form with your personal, employment and contact details. After submitting your application, HDFC Bank will review your eligibility, verify your documents and communicate the application status.

What is the eligibility criteria for HDFC Bank MoneyBack+ Credit Card?

To apply for HDFC Bank MoneyBack+ Credit Card, applicants generally need to meet the bank's age, income, employment and credit history requirements. Both salaried and self-employed individuals may be eligible, subject to bank policies. Final approval depends on the applicant's financial profile, credit score and internal verification.

What is the minimum salary required for HDFC MoneyBack+ Credit Card?

The minimum salary requirement for HDFC MoneyBack+ Credit Card may vary depending on the applicant's employment profile, location and bank eligibility criteria. HDFC Bank evaluates monthly income, existing financial obligations, repayment history and creditworthiness before approving a credit card application. Meeting the income requirement does not guarantee approval.

What documents are required to apply for HDFC MoneyBack+ Credit Card?

Applicants may need to provide basic KYC and financial documents when applying for HDFC MoneyBack+ Credit Card. Commonly required documents include PAN Card, Aadhaar Card or other accepted identity and address proof, salary slips, bank statements or income proof, depending on the applicant's profile. Additional documents may be requested by HDFC Bank during verification.

How much cashback or reward points can I earn with HDFC MoneyBack+ Credit Card?

HDFC MoneyBack+ Credit Card offers reward points on eligible purchases, with accelerated rewards on selected spending categories as per the applicable card terms. The actual benefits depend on transaction type, merchant category, monthly spending limits and reward programme conditions. Check the latest HDFC Bank reward structure to understand eligible transactions and redemption value.

Is HDFC Bank MoneyBack+ Credit Card lifetime free or does it have an annual fee?

HDFC MoneyBack+ Credit Card generally carries a joining fee and an annual renewal fee. However, the annual fee may be waived if the cardholder achieves the spending milestone specified by HDFC Bank. The applicable joining fee, renewal fee, GST and waiver conditions should be checked before applying.

Can I get HDFC MoneyBack+ Credit Card with a low CIBIL score?

Getting HDFC MoneyBack+ Credit Card with a low CIBIL score may be difficult because HDFC Bank considers credit history and repayment behaviour during its approval process. However, the bank may evaluate other factors, such as income, existing banking relationship and overall financial stability. Approval is entirely subject to the bank's internal credit assessment.

Can I apply for HDFC MoneyBack+ Credit Card without having an HDFC Bank savings account?

Yes, having an existing HDFC Bank savings account is not necessarily mandatory to apply for HDFC MoneyBack+ Credit Card. Individuals who do not hold an HDFC Bank account can also submit an application, provided they meet the bank's eligibility requirements and successfully complete the required KYC and verification process.

How can I check HDFC MoneyBack+ Credit Card application status online?

You can check your HDFC MoneyBack+ Credit Card application status through the official HDFC Bank website or its designated application tracking facility. You may need your application reference number, mobile number or other requested details. The application status helps you understand whether your credit card application is under process, approved, rejected or awaiting further verification.

Is HDFC MoneyBack+ Credit Card good for online shopping, grocery and everyday purchases?

HDFC MoneyBack+ Credit Card can be a useful option for customers who regularly shop online and spend on eligible grocery and everyday purchase categories. Its reward programme provides additional value on selected transactions. Before applying, compare the applicable reward rates, monthly caps, exclusions, annual charges and redemption conditions to determine whether the card matches your spending habits.