HDFC MoneyBack+ Credit Card
Fees
₹500 + Taxes
Joining & AnnualReward Rate
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart & Swiggy
Welcome Bonus
500 CashPoints on payment of joining fee
Lounge Access
No Lounge Access
FindMyCard 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.
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
Editorial Verdict
The HDFC MoneyBack+ Credit Card is ideally suited for everyday online shopping & grocery spends. If you want 10x cashpoints on amazon, bigbasket, flipkart, reliance smart & swiggy, this card delivers real value. The ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
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)
🚀 Milestone Spends Timeline
₹500 gift voucher on quarterly retail spends of ₹50,000 (up to ₹2,000 vouchers per year)
Annual fee waived on retail spends of ₹50,000 in a membership year
Fees & Charging Rates
Annual Fee Waivers
₹500 + Taxes
💡 Annual fee waived on ₹50,000 annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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; 1% cashback on offline spends | 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 |