Every purchase pays you back higher rewards for smarter spending.
4 RPs for every ₹150 online spend.
500 cash points on paying the joining fee.
Spend ₹50,000 to waive annual fee.
Enter your details to get started
| Benefit | Details |
|---|---|
| Welcome Benefit | Receive 500 cashback points worth ₹500 upon payment of the joining fee. |
| Accelerated Rewards | Earn 4X reward points on dining, departmental stores, and fuel spends. 2X points on online shopping and grocery purchases. |
| Quarterly Gift Vouchers | Get a ₹500 gift voucher every quarter on achieving retail spends of ₹50,000 in that quarter. |
| Low Annual Fee | Annual fee of ₹500 + GST, making it an accessible option for regular spenders seeking value. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on a minimum transaction of ₹400, with a maximum benefit of ₹250 cashback. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / Cashback |
| Type of Card | Visa |
| Free or Paid | ₹500 Annually |
The HDFC MoneyBack Credit Card is designed for individuals who seek consistent rewards on everyday spending categories. This card caters to professionals, families, and regular shoppers who want to earn cashback and rewards without hefty annual fees. With accelerated reward points on dining, shopping, and fuel transactions, along with quarterly gift vouchers, the card provides tangible value for routine expenses whilst keeping costs manageable.
Global Reach: Enjoy worldwide usability across millions of merchants and online platforms, ensuring seamless transactions wherever you go.
Reward on Every Spend: Earn 2 Reward Points on every ₹150 spent and double rewards on online purchases, turning your daily spends into valuable savings.
Easy Redemption: Redeem accumulated points for cashback, gifts, or vouchers through the HDFC Bank Rewards Catalogue, offering flexible benefits.
Annual Fee Reversal: Get your renewal fee waived on annual spends of ₹50,000 or more, making the card cost-effective for regular users.
Fuel Surcharge Waiver: Save more with a 1% fuel surcharge waiver on minimum transactions of ₹400 on all fuel stations across India.
Contactless Convenience: Tap and pay securely for small transactions with HDFC Bank’s contactless payment feature, adding speed and safety to your purchases.
Accelerated Rewards: Cardholders earn 4 reward points on online shopping on e-commerce platforms
Enhanced Rewards: Earn 2 Reward Points on every ₹150 spent across all purchase categories, making every transaction more rewarding.
Cashback Redemption: Convert your accumulated reward points into cashback that directly reflects as a statement credit on your HDFC MoneyBack Credit Card. This helps reduce your outstanding balance, offering an easy and practical way to benefit from your everyday spends.
Vouchers and Merchandise: Redeem your points for a wide range of gift vouchers or premium merchandise available through HDFC Bank’s rewards catalogue. You can choose from popular brands and categories, and in many cases, enjoy doorstep delivery for selected catalogue products.
Air Miles & Travel Bookings: Use your reward points to book flights or hotels through HDFC SmartBuy or convert them into Air Miles with select airline partners. This option is ideal for frequent travellers looking to make their trips more rewarding while reducing out-of-pocket travel costs.
Note: Redemption values and available options may vary based on current offerings. Cardholders should regularly check the rewards catalogue for the best redemption opportunities.
Cashback Points: New cardholders receive 500 cashback points worth ₹500 upon payment of the joining fee, which can be immediately redeemed or saved for future use.
Annual Cashback: On payment of the annual renewal fee, cardholders receive 500 cashback points worth ₹500, ensuring continued value year after year.
Spending Milestone: Cardholders who achieve retail spends of ₹50,000 in a calendar quarter receive a gift voucher worth ₹500.
Transaction Range: A 1% fuel surcharge waiver is available on minimum transactions of ₹400 at petrol pumps across India.
Monthly Cap: The maximum waiver benefit is limited to ₹250 per statement cycle, helping reduce fuel expenses for regular commuters and travellers.
Coverage: The waiver applies to all fuel stations in India, making it universally beneficial.
Protection Against Fraud: If the card is lost or stolen and reported immediately to HDFC Bank, the cardholder is not liable for fraudulent transactions made after the reporting.
Peace of Mind: This feature provides security and confidence whilst using the card for various transactions, knowing that prompt action protects against unauthorised usage.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹500 + GST | Charged every year from the second year onwards. |
| Fuel Surcharge | 1% waiver on transactions of minimum ₹400 | Maximum benefit of ₹250 per statement cycle at fuel stations. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years Maximum 60 years |
Age (Self-Employed Individuals) | Minimum 21 years Maximum 65 years |
Occupation | Salaried / Self-Employed / Professional |
Income Requirement | Minimum net monthly income of ₹25,000 for salaried; minimum annual income of ₹6 lakhs for self-employed |
Other Criteria | Good credit score, stable employment or business, valid identity and address proofs |
| Document Type | Details |
|---|---|
| Identity Proof | Applicants can submit any government-approved photo ID proof, such as PAN Card, Aadhaar Card, Driving Licence, Passport, Voter ID, OCI/PIO Card, NREGA Job Card, or UIDAI-issued letter, to verify identity when applying for the HDFC MoneyBack Credit Card. |
| Address Proof | Applicants must provide a valid government-approved address proof such as Aadhaar Card, Driving Licence, Passport, Utility Bill (not older than 3 months), Ration Card, Property Registration Document, PIO Card, NREGA Job Card, or recent Bank Account Statement when applying for the HDFC MoneyBack Credit Card. |
| Income Proof | To verify income eligibility, applicants are required to submit the latest one or two salary slips (not older than 3 months), Form 16, or the last three months’ bank statement when applying for the HDFC MoneyBack Credit Card |
Click on Apply Now: Hit the “Apply Now” button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC MoneyBack Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Category Rewards | Use the card strategically in all categories such as dining, departmental store shopping, and fuel purchases to earn 2 reward points, and for online transactions to earn 4 reward points. |
Track Quarterly Spending | Monitor spending to reach the ₹50,000 quarterly threshold and earn gift vouchers worth ₹500 each quarter. |
Redeem Wisely | Accumulate reward points and redeem them for high-value items or statement credits to get the best value from the rewards programme. |
Use EMI Options | For large purchases, consider converting transactions into EMIs to spread the cost over several months and manage cash flow effectively. |
Pay Bills on Time | Ensure timely payment of the full outstanding amount to avoid interest charges and maintain a healthy credit score. |
The HDFC MoneyBack Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.