HDFC Bank MoneyBack+ Credit Card
HDFC Bank · Mastercard
Why this card?
- 2.5% cashback on online shopping at Amazon, Flipkart, Swiggy, Relianceretail and BigBasket; 0.25% on other spends
- ₹500 joining and annual fee; renewal fee waived on ₹50,000 yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Mastercard
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- cashback
- Best Reward Rate
- 2.5% on 10X CashPoints (up to 2.5% value-back) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket (MoneyBack+)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
HDFC MoneyBack+ is HDFC's entry rewards card, with 10X CashPoints (up to 2.5% value-back) at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket, and a thin 0.25% back on other spends. At ₹500/year (waived at ₹50K spend), it suits HDFC account holders taking their first credit card.
Pros
- 10X CashPoints (up to 2.5% value-back) at select partner merchants
- Annual fee waived at ₹50,000 spend
- 1% fuel surcharge waiver
- Trusted HDFC brand for first-timers
Cons
- 0.25% base rate is low even for an entry card
- CashPoints have low per-unit value (up to ₹0.25)
- No lounge access
- 3.5% forex markup