HDFC · Credit Card
HDFC Moneyback Plus Credit Card
Official product: HDFC Bank MoneyBack+ Credit Card
- Straightforward rewards aimed at getting money back
- Good fit for routine monthly spends
- Accelerated reward points on popular spend categories
Opens the partner’s official application pageDownload product PDF
Fees, rewards and eligibility shown below are decided solely by HDFC and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹500 + taxes
- Annual / Renewal Fee
- ₹500 + taxes
- Annual Fee Waiver Condition
- Renewal fee waived on ₹50,000 annual spends.
- Interest Rate / Finance Charge
- 3.6% per month (43.2% p.a.) on many current HDFC consumer cards; card-specific MITC/product terms prevail.
- Late Payment Charges
- As per current HDFC Bank MITC / statement balance slab; see official MITC for current slabs.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 10X CashPoints on select merchants/categories (up to ~2.5% valueback); 2 CashPoints/₹200 on other eligible spends.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- 500 Reward Points on joining-fee realization; ₹500 voucher on ₹50,000 quarterly spends, subject to current terms.
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- Not disclosed by issuer — check official card page
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Generally 18+; exact upper age / income is product and underwriting dependent.
- Employment Type
- Salaried / self-employed, subject to bank underwriting.
- Documents Required
- PAN, identity proof, address proof and income proof such as salary slips/Form 16/ITR/bank statements, as applicable.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the HDFC Moneyback Plus credit card? ▾
Joining fee: ₹500 + taxes. Annual fee: ₹500 + taxes. Fee waiver: Renewal fee waived on ₹50,000 annual spends..
What rewards or cashback does the HDFC Moneyback Plus credit card offer? ▾
10X CashPoints on select merchants/categories (up to ~2.5% valueback); 2 CashPoints/₹200 on other eligible spends.
Who is eligible for the HDFC Moneyback Plus credit card? ▾
Generally 18+; exact upper age / income is product and underwriting dependent. Salaried / self-employed, subject to bank underwriting.