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Earn more with the HDFC Bank MoneyBack Plus Credit Card, offering 10X CashPoints at select merchants, faster rewards on your household spends, and easy renewal fee waiver.
Last updated on: Aug 24, 2026
Here is a quick overview of the key highlights of the MoneyBack Plus Credit Card to help you understand its core benefits:
| Features | Details |
|---|---|
Joining Fee |
₹500 + applicable taxes |
Annual Fee |
₹500 + applicable taxes (waived on spending ₹50,000 or more in a year before renewal) |
Best For |
Everyday online spends and frequent purchases at popular merchants for enhanced CashPoints rewards |
Key Feature |
|
Welcome Bonus |
Get 500 CashPoints upon payment of the joining membership fee |
Earn 10X CashPoints (Upto 2.5% valueback) on popular online and retail spends like Amazon, Flipkart, BigBasket, and Swiggy, and get 2 CashPoints on every ₹200 spent on other spends.
Spend ₹50,000 or more in a quarter and receive a ₹500 gift voucher, helping you save more on your regular expenses.
Convert your large purchases into easy monthly instalments using the Smart EMI option for better financial flexibility.
Get an additional 10% discount on Swiggy Dineout using the coupon code HDFCCARDS, perfect for frequent diners.
Receive 500 CashPoints when you pay the joining or renewal fee, adding instant value to your card membership.
Enjoy up to 50 days of interest-free credit on purchases, helping you manage expenses effectively when you pay on time.
Save with a 1% fuel surcharge waiver when you use your card at petrol pumps, lowering your travel costs.
Make secure and fast payments with tap-to-pay contactless technology at supported stores.
Easily manage your card, track CashPoints, and block a lost card through the HDFC Bank MyCards platform.
If you report your card lost immediately or until 24 hours, you will not be held responsible for unauthorised transactions.
The MoneyBack Plus Credit Card helps you earn CashPoints on your household spends. Here’s how the rewards programme works and how you can maximise your savings:
The MoneyBack Plus Credit Card offers higher rewards on select merchant spends and consistent points on all other transactions
For every ₹200 spent at Amazon, Flipkart, BigBasket, Reliance Smart SuperStore, and Swiggy, you earn 10X CashPoints
For other eligible purchases, you earn 2 CashPoints per ₹200 spent
| Purchase (Monthly) | Amount (₹) | CashPoints Earned | Monthly Savings (₹) |
|---|---|---|---|
Online Shopping (Amazon, Flipkart, etc.) |
₹10,000 |
600 |
₹150 |
Groceries (BigBasket, Reliance Smart) |
₹5,000 |
250 |
₹62.5 |
Other Spends |
₹3,000 |
150 |
₹37.5 |
Disclaimer: The above example is for illustration purposes only. Actual rewards may vary based on spending categories and bank policies.
On other spends, such as utility bills, you earn 2 CashPoints per ₹200 spent. Each CashPoint is worth upto ₹0.25, meaning 4 CashPoints = Upto ₹1.
You can redeem your CashPoints in several convenient ways. Log in to your HDFC Bank credit card account and use your points for:
Cashback (credited as statement balance reduction)
Flight and hotel bookings via HDFC Bank’s SmartBuy portal
Shopping vouchers and merchandise through the rewards catalogue
A nominal ₹99 redemption fee applies for each redemption request as per HDFC Bank’s terms.
All CashPoints earned on your HDFC Bank MoneyBack Plus Credit Card remain valid for two years (24 months) from the date of accrual. Ensure you redeem them before expiry to avoid losing value.
Get 500 CashPoints as a welcome bonus on paying the joining fee
Spend ₹50,000 or more in a calendar quarter to receive a ₹500 gift voucher, earning up to ₹2,000 annually in milestone rewards
The MoneyBack Plus Credit Card Rewards Programme is designed for smart spenders who want everyday purchases to earn valuable rewards. Whether you shop online or buy essentials, every transaction helps you save more while building a healthy credit record.
Here is a simple breakdown of the key fees and charges you should know before applying for the MoneyBack Plus Credit Card:
| Fee Type | Details |
|---|---|
Joining Fee |
₹500 (one-time payment at the time of card activation) |
Annual Fee |
₹500 per year – waived if you spend ₹50,000 or more in a year before renewal |
Reward Redemption Fee |
₹99 per redemption request made through the rewards portal |
Cash Advance Fee |
2.5% of the amount withdrawn or ₹500, whichever is higher |
Interest Charges |
3.75% per month (or 45% per annum) applied on unpaid balances |
Minimum Amount Due |
5% of the total due, including retail and cash balances, along with any EMIs, taxes, or charges, rounded up to the next ₹10 |
Late Payment Fee |
2.5% of the over-limit amount, subject to a minimum of ₹550 (applied only with explicit consent) |
Foreign Transaction Fee |
3.5% of the transaction value on all international purchases |
Note: A GST of 18% is applicable on all the above charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Here are the key eligibility requirements you must meet before applying for the MoneyBack Plus Credit Card:
| Criteria | Salaried Individuals | Self-employed Individuals |
|---|---|---|
Nationality |
Must be an Indian citizen |
Must be an Indian citizen |
Minimum Age |
21 years |
21 years |
Maximum Age |
60 years |
65 years |
Minimum Income Requirement |
Net monthly income of ₹20,000 |
Annual income of ₹6 Lakhs (as per ITR) |
Proof of Income |
Latest 2–3 months’ salary slips and Form 16 |
ITR and bank statements showing income |
Here is the general list of documents you must submit when applying for the MoneyBack Plus Credit Card for a smooth approval process:
A valid PAN card and Aadhaar card as identity proof
A recent passport-size colour photograph for verification
Address proof such as a utility bill (electricity, water, or phone) or a ration card
For salaried individuals, salary slips from the past two to three months and Form 16 as proof of income
For self-employed individuals, Income Tax Returns (ITR) and bank statements showing regular income
Ensure all documents are clear, up-to-date, and valid to avoid delays during the application process
Here are the simple steps you need to follow to apply for the MoneyBack Plus Credit Card with ease:
Click on ‘Check Card Offer’ and enter your details, including phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your registered mobile number to verify your identity
Review the pre-filled information such as PAN card number, email address, residential PIN code, and income details
Choose the MoneyBack Plus Credit Card or any other available option that best suits your financial needs
Click on ‘Submit’ to complete your credit card application instantly
For any assistance, you can contact HDFC Bank customer care on 1800-1600 or 1800-2600, available 24 hours a day, including Sundays and bank holidays.
Disclaimer
Reviewer
The MoneyBack Plus Credit Card helps you earn 10X CashPoints at select merchants and 2 points on other spends, offers quarterly gift vouchers, fuel surcharge waiver, contactless payments and card controls via MyCards.
You pay a ₹500 joining fee and a ₹500 annual fee that is waived if you spend ₹50,000 or more in a year before renewal.
MoneyBack Plus is an upgraded version with higher reward rates and milestone benefits compared with the basic MoneyBack Credit Card, offering better value on online and retail spends.
For everyday shopping and online spends, the MoneyBack Plus Credit Card is a good choice if you want simple rewards rather than travel or premium perks.
No, the MoneyBack Plus Credit Card does not include complimentary airport lounge access as part of its standard benefits.
As the MoneyBack Plus Card doesn’t offer lounge access, you can check lounge eligibility only on HDFC Bank Credit Cards that clearly mention this benefit online.
HDFC Bank determines the credit limit based on your income, credit history and profile, so it varies by individual and is disclosed by the bank on approval.
HDFC Bank does not specify a fixed credit score requirement, but maintaining a score above 750 significantly improves your chances of approval. The bank assesses your overall financial profile, income stability, and repayment history to ensure you can manage the MoneyBack+ Credit Card responsibly.
The MoneyBack Plus Credit Card is a rewards credit card offered by HDFC Bank that lets you earn CashPoints on spends, redeem rewards and enjoy milestone benefits on regular purchases.
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