HDFC Bank MoneyBack+ Credit Card Vs. HDFC MoneyBack Credit Card

HDFC Bank MoneyBack+ Credit Card

HDFC Bank MoneyBack+ Credit Card

HDFC MoneyBack Credit Card

HDFC MoneyBack Credit Card

Comparison of HDFC Bank MoneyBack+ Credit Card and HDFC MoneyBack Credit Card

Feature	HDFC Bank MoneyBack+ Credit Card	HDFC MoneyBack Credit Card
Annual Fee	₹500 + GST	₹500 + GST
Joining Fee	₹500 + GST	₹500 + GST
Welcome Benefits	Receive 500 CashPoints upon card activation.	N/A
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	N/A	N/A
Key Highlights	•Accelerated CashPoints •Regular CashPoints •Welcome Benefit •Milestone Benefits •Annual Fee Waiver	•Welcome Benefit •Accelerated Rewards •Quarterly Gift Vouchers •Low Annual Fee •Fuel Surcharge Waiver
Dos	Use the card for purchases at partner brands to maximise 10X CashPoints Pay the full outstanding amount before the due date to avoid interest charges Aim for quarterly spends of ₹50,000 to earn gift vouchers worth ₹500 Utilise dining benefits through Swiggy Dineout for savings at restaurants Convert high-value purchases into EMIs for better financial planning	Use the card for online transactions to earn 4 reward points per ₹150 spent and 2 reward points across all categories for every ₹150 spent Pay the entire outstanding amount by the due date to avoid interest charges Track reward points regularly and redeem them before expiry Plan quarterly spending to reach ₹50,000 and earn gift vouchers Keep the card secure and report loss or theft immediately to the bank
Don'ts	Avoid exceeding the monthly cap of 2,500 bonus CashPoints on partner brands Do not miss the minimum payment to maintain a good credit score Ignore the 2-year validity period of CashPoints; redeem them timely Use the card for excluded categories expecting CashPoints Withdraw cash using the card unless absolutely necessary due to high charges	Avoid spending beyond repayment capacity just to earn rewards or quarterly vouchers Do not pay only the minimum amount due regularly as interest accumulates on remaining balance Ignore transaction alerts or monthly statements; review them promptly Share card details, CVV, PIN, or OTP with anyone, including people claiming to be from the bank Use the card for cash withdrawals unless absolutely necessary due to high charges

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