If you’re someone who loves shopping online or dining out, the HDFC MoneyBack Plus Credit Card is here to make your experience even more rewarding. Launched on 21st January 2025, this card is the upgraded, one-level superior version of the popular HDFC MoneyBack Credit Card (first introduced in July 2019).
Designed specifically for modern shoppers, it offers unmatched rewards and benefits for your favorite online platforms like Amazon, Flipkart, Swiggy, Reliance Smart Superstore, and BigBasket.
With the HDFC MoneyBack Plus Credit Card, you can earn 10x cash points on your spending—2 cash points for every ₹150 spent on online shopping, dining, and groceries. What’s more? These points are easy to redeem, with 4 cash points equaling ₹1.
Whether you’re stocking up on groceries, ordering food, or shopping for the latest gadgets, this card ensures you get the most out of every purchase.
But that’s not all! The HDFC MoneyBack Plus Credit Card comes packed with additional perks and exclusive benefits tailored for frequent shoppers. If you’re looking for a credit card that combines convenience, rewards, and savings, this is the perfect choice for you.
In this blog, we’ll dive deeper into the features, benefits, and application process of the HDFC MoneyBack Plus Credit Card. Stay tuned to find out how this card can help you save more while you shop!
Table of Contents
HDFC MoneyBack+ Credit Card: Key Highlights
| Feature | Details |
|---|---|
| Joining /Issue Fee/ | ₹500+ applicable taxes |
| Renewal Membership Fee | ₹500+ applicable taxes (Waived on spending ₹50,000 in a year ) |
| Key Benefits | 1️⃣₹500 Gift Voucher every quarter on spending ₹50,000 2️⃣20 % Discount on Dining at partner restaurants Via Swiggy |
| Best suited for | Shopping, Dining Out, Rewards Point |
| Welcome Benefits | 500 cash points (Applicable only after payment of membership fee) |
| Rewards Point | 1️⃣10x reward points on spends at Swiggy, Amazon, Flipkart, Reliance Smart Superstore, and BigBasket 2️⃣Maximum cash Points: 2,500 per year |
| Network | Visa |
For detailed terms and conditions, click here to visit the official website
HDFC MoneyBack + Credit Card Benefits and Features(2025)
Lounge Access 🛋️
The HDFC MoneyBack Plus Credit Card does not offer complimentary airport or railway lounge access.
Fuel Surcharge Waiver ⛽
Enjoy a 1% fuel surcharge waiver at all petrol pumps across India. This waiver is applicable on transactions between ₹400 and ₹50,000, with a maximum fuel surcharge waiver of ₹250 per month.
Forex Markup Charges 🌍
For international transactions, the card carries a 3.5% forex currency markup charge on the total transaction amount.
Insurance Benefits 🛡️
There are no insurance benefits included with this card.
Smart EMI Option 💳
Similar to other HDFC credit cards, this card allows you to convert high-value purchases into easy monthly EMIs, making big spending more manageable.
Cash Points & Rewards 🏆
- Earn 2 CashPoints per ₹150 spent on regular purchases.
- Get 10X CashPoints (equivalent to 20 CashPoints per ₹150 spent) on transactions made at Flipkart, Swiggy, Amazon, BigBasket, and Reliance Smart Superstore.
Gift Voucher Rewards 🎁
- Receive a ₹500 gift voucher on spending ₹50,000 in a single quarter.
- You can earn up to ₹2,000 worth of gift vouchers every year by meeting the quarterly spending criteria.
📢 Important Note:
- 10X CashPoints are only applicable on non-EMI transactions.
- Reward Points/CashPoints expire after 2 years from the date of accumulation.
HDFC MoneyBack + Credit Card: Fees & Charges
| Fees Type | Details |
|---|---|
| Joining fee and Renewal membership fee for Primary card | ₹500 + GST ( Waived on spending ₹50,000 in a year ) |
| Annual Maintenance Fee | ₹500 + GST |
| Cash Withdrawal Fee | 2.5 % of the withdrawal amount or ₹500 (whichever is higher) |
| Fuel Surcharge Waiver | 1 % refund (Max ₹250/month)-GST not refunded |
| Interest-Free Period | Up to 50 days (only for online transactions, NOT for cash withdrawals) |
| Minimum Due | 5% of the total outstanding balance or ₹200, whichever is higher |
| Out Station check processing charges | ₹100 |
| Duplicate physical statement | ₹10 per request |
| EMI conversion charges | Processing fee: ₹99+ GST EMI tenure: 9 months Interest Rate: 20% per annum |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST |
| Over-limit Charges | 2.5% of the over-limit amount (Min ₹550) |
| Payment Return Charges | 2 % of the Payment amount (Min ₹ 450) |
| Late Payment Fee | ₹500 + GST (For non-payment or partial EMI payment) |
| Balance Transfer Fee | 1% of the transfer amount (Min ₹250) |
| Pre-Closer Charges | 3% of principal outstanding |
| Card Validation charges | ₹2 per transaction |
Charges in case of default
🔑 Key Insights (Quick Summary)
- Late payment charges depend on the statement balance.
- No charges for balances up to ₹100.
- Fixed late fees apply for higher amounts
| Total Outstanding Amount | Late Payment Charges |
|---|---|
| Up to ₹100 | No Charges |
| ₹101 to ₹ 500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹20,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1,100 |
| More than ₹50,000 | ₹1,300 |
For details on interest rates, foreclosure, and cancellation charges on loans via credit cards, please refer to the official document.
Pros and cons of HDFC MoneyBack+ Credit Card:-
 Pros |  Cons |
| Earn 10x cash points on Amazon, Flipkart, Swiggy, Reliance Smart Superstore, and BigBasket (max 2,500 cash points per year). | No cash points on fuel, insurance, or rent payment |
| 20% discount on partner restaurants via Swiggy Dine Out. | ₹99 redemption fee applies when redeeming reward points. |
| Get a ₹500 gift voucher on spending ₹50,000 per quarter (Earn up to ₹2,000 yearly) | No lounge access in provided with this card. |
HDFC MoneyBack+ Credit Card: Eligibility and Documentation
Q1: Who is eligible for the HDFC MoneyBack+ Credit Card?
✅ Age: 21 to 60 years.
✅ Minimum Income: ₹20,000/month (salaried) or ₹6 lakh+ ITR (self-employed).
✅ Nationality: Both Indian Residents & NRIs.
✅ Credit Score: A good credit score is required.
Q2: What documents do I need to apply?
📌 Identity Proof: Aadhaar, PAN, Voter ID, Passport.
📌 Address Proof: Aadhaar, Rent Agreement, Electricity Bill.
📌 Income Proof: Salary slips, Bank Statements, ITR.
How to apply HDFC MoneyBack Plus Credit Card ?
Follow these simple steps to apply for the HDFC MoneyBack+ Credit Card:
📌 Step-by-Step Application Process
✅ Step 1: Visit the official website – Go to hdfcbank.com.
✅ Step 2: On the homepage, locate “Offers for You” section.
✅ Step 3: Click on “Best in Class Credit Card”.
🔗 Click here to jump to this step directly on the official website.
✅ Step 4: Enter your contact number and date of birth to verify your identity.
✅ Step 5: Confirm your personal and financial details.
✅ Step 6: Choose the HDFC MoneyBack+ Credit Card and submit your application.
📢 Important Notes Before Applying:
✔ Check your eligibility (Age, Income, Credit Score).
✔ Keep your documents ready (ID proof, Address proof, Income proof).
✔ Ensure correct details to avoid rejection.
HDFC MoneyBack+ Credit Card Customer Care
For any inquiries related to your HDFC Infinia Credit Card, you can contact customer support through the following channels:
- 📞 Customer Care Helpline: 1800 1200 1200 (Toll-Free)
- 📧 Email Support: [email protected]
News related & Updates to HDFC MoneyBack+ Credit Card:
📢 (1) Latest News on HDFC MoneyBack+ Credit Card
The latest updates have been published by The Economic Times. Read the full article here:
🔗 Click here to read on The Economic Times
📢 (2) HDFC Bank’s Lifetime Free Credit Card Offer
HDFC Bank is offering lifetime free credit cards under specific conditions. Check out the details:
🔗 Click here for more information
Frequently Asked Questions (FAQs) for HDFC MoneyBack+ Credit Card
1️⃣What is the validity of reward points?
✔ Reward points are valid for 2 years from the date of accumulation.
2️⃣ Is the HDFC MoneyBack+ Credit Card lifetime free?
❌ No, it is not a lifetime free card.
✔ The annual renewal fee is ₹500 + GST, but it is waived if you spend ₹50,000 in a year
3️⃣ How can I check my reward points balance?
✔ You can check your reward points balance via:
HDFC Mobile Banking App
HDFC Net Banking (Website)
4️⃣ What is the credit limit for the HDFC MoneyBack+ Credit Card?
✔ There is no fixed credit limit for this card.
✔ Your credit limit depends on your CIBIL score, income, and financial history.
5️⃣ Is the MoneyBack+ Credit Card free for a lifetime?
❌ No, this card has a ₹500 joining and annual fee (plus GST).
✔ The renewal fee is waived if you spend ₹50,000 in a year.
6️⃣ What is the maximum reward points I can earn in a month?
✔ The maximum reward points you can earn is 15,000 per statement cycle.
7️⃣ How to avoid the renewal fee on HDFC MoneyBack+ Credit Card?
✔ Spend at least ₹50,000 in a year, and your renewal fee will be waived off.
8️⃣ Can HDFC MoneyBack+ Credit Card be linked to UPI?
❌ No, HDFC MoneyBack+ Credit Card cannot be linked to UPI because it is a Visa credit card.
✔ Only RuPay credit cards can be added to UPI payment apps.
9️⃣ Does HDFC MoneyBack+ Credit Card offer lounge access?
❌ No, this card does not offer complimentary lounge access.