HDFC Bank MoneyBack+ Credit Card
MastercardHDFC MoneyBack+ is an entry-level cashback card offering 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
Welcome Benefit
500 CashPoints as welcome benefit on first transaction.
Estimated value: ₹500
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (cashback) · 1 point = ₹0.5
| Category | Earn Rate |
|---|---|
| Amazon/Flipkart/BigBasket/Reliance Smart/Swiggy | 10 CashPoints per ₹150 on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore, Swiggy |
| All Other Spends | 2 CashPoints per ₹150 on all other spends |
Monthly cashback capped as per category. Overall monthly cap ₹1,000.
Points expire after 36 months
Milestone Benefits
Annual fee of ₹500 is reversed on spending ₹1,00,000 or more in the preceding year.
Value: ₹500
Spend calculated from card anniversary date. All eligible transactions counted.
Lifestyle Benefits
E-commerce Partner Offers
Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
via Flipkart / Amazon / Myntra
Value: ₹1,200
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: Minimum ₹20,000 per month. Self-employed: ₹6,00,000+ p.a. Age: 21–60 years.
Editor Rating
Pros
- + No points conversion – direct cashback
- + Simple and transparent earning structure
- + Wide partner acceptance
Cons
- – Monthly cashback cap limits earnings for high spenders
- – Benefit may reduce over time with offer changes
The HDFC Bank MoneyBack+ Credit Card is a entry-level credit card from HDFC Bank offering direct cashback on everyday spends. At ₹500/year, the card is easily justified through fee waivers and regular usage benefits.