HDFC MoneyBack+ Credit Card
HDFC Bank · Visa
Why this card?
- 2.5% back in reward points on online shopping at Amazon and Flipkart; 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
- Visa
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- points
- Best Reward Rate
- 2.5% on online shopping at amazon / flipkart
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
HDFC MoneyBack+ is a well-rounded entry-level card with 10X CashPoints (up to 2.5% value-back) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket. Outside those partners the base earn is low, at 2 CashPoints per ₹200 or about 0.25% back. The ₹500/year fee waives easily at ₹50K spend, making it effectively free for most users.
Pros
- 10X CashPoints (up to 2.5% value-back) on Swiggy, Flipkart, Amazon, Reliance Smart SuperStore and BigBasket
- 1% fuel surcharge waiver included
- Annual fee waived at just ₹50,000 annual spend
- Quarterly spend milestone brings a ₹500 gift voucher
Cons
- Base earn is only about 0.25% back on all other spends
- CashPoints redeemable via HDFC portal, not automatic statement credit
- No lounge access
- 3.5% forex markup — not suitable for international use