HDFC MoneyBack+ Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart & Swiggy
Welcome Bonus
500 CashPoints on payment of joining fee
Lounge
No Lounge Access
Our Expert Take
The HDFC MoneyBack+ Credit Card offers 10X CashPoints on Amazon, Flipkart, BigBasket, Swiggy & Reliance Smart with annual fee of ₹500 + Taxes waived on ₹50,000 spend.
Reward limits
Checked 27 Sep 2026 · Bank terms
-
10X CashPoints (2.5%) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy
Max 2,500 CashPoints (≈₹625) per calendar month
Reached after about ₹25,000 of spend
-
All CashPoints on the card
Max 15,000 CashPoints per statement cycle
No rewards on: Fuel, rent, government, wallet/gift card loads, EMI, third-party education payments
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- 10X CashPoints on major online merchants (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart)
- 5X CashPoints on EMI purchases
- Quarterly gift voucher of ₹500 on ₹50,000 quarterly spend
- Achievable annual fee waiver threshold of ₹50,000
Limitations
- Monthly cap of 2,500 CashPoints on 10X merchant category
- Base earn rate of 2 CashPoints per ₹150 is modest
- CashPoint value for statement credit is ₹0.25 per point
Key Perks & Spending Milestones
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart & Swiggy (max 2,500 CashPoints/month)
5X CashPoints on EMI transactions at merchant locations (max 2,500 CashPoints/month)
2 CashPoints per ₹150 spent on all other retail transactions
₹500 gift voucher on spends of ₹50,000 per calendar quarter
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250/cycle)
Spend milestone
₹500 gift voucher on quarterly retail spends of ₹50,000 (up to ₹2,000 vouchers per year)
Spend milestone
Annual fee waived on retail spends of ₹50,000 in a membership year
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹50,000 annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Nil
lost card liability
Up to ₹50,000
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹20,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Credit score & income
Good (730+)
Frequently Asked Questions
What categories earn the most on HDFC MoneyBack+?
Does HDFC MoneyBack+ include lounge access?
Is HDFC MoneyBack+ good value for its fee?
Compare HDFC MoneyBack+ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC MoneyBack+ Credit Card This Card | ₹500 + Taxes | 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart & Swiggy | No Lounge Access | 4.3/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |