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Financetoall > HDFC Bank MoneyBack Plus Credit Card Best Benefits- Apply Now
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HDFC Bank MoneyBack Plus Credit Card Best Benefits- Apply Now

Finance Guide
Last updated: May 30, 2025 5:35 am
By Finance Guide
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HDFC Bank MoneyBack Plus credit card FEATURESHDFC MoneyBack Plus Credit Card Eligibility HDFC Moneyback Plus credit card : FEES AND CHARGES BENEFITS OF HDFC MoneyBack Plus credit cardDocuments Required for HDFC MoneyBack Plus credit cardHDFC MoneyBack Plus Credit Card Rewards Points:HDFC MoneyBack Plus Credit Card Reward Point Conditions:How HDFC MoneyBack Plus Credit Card Reward Point Calculated?How to Redeem HDFC MoneyBack Rewards PointsReward Points Redemption Condition :

The HDFC Bank Moneyback Plus credit card, as the name suggests, is a card that allows you to receive cash back in the form of reward points for all minor purchases. Upon payment of the joining/renewal cost, you receive 500 Cash points annually as a welcome and renewal reward. In addition, the joining charge is waived if you spend Rs 20,000 in the first 90 days, and the renewal fee is waived according on your annual spending. This card offers 4 Reward Points for every Rs. 150 spend online and 2 Reward Points for every Rs.

These reward points can be used for a variety of categories, such as cashback, flight/hotel bookings on SmartBuy, and products/voucher purchases. Additionally, you can receive quarterly gift cards based on your quarterly spending. Detailed information on the HDFC Moneyback Plus credit card is provided below.

HDFC Bank MoneyBack Plus credit card FEATURES

  • 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )
  • Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
  • Up to 15% discount on partner restaurants in select cities via Dineout
  • Zero lost Card liability : In the unfortunate event of losing your HDFC Bank Moneyback+ Credit Card, report it immediately to our 24-hour call centre. On reporting the loss immediately, you have zero liability on any fraudulent transactions made on your Credit Card. 
  • Interest Free Credit Period : Avail up to 50 days of interest free period on your HDFC Bank Moneyback+ Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
  • ​​​​​​​Revolving Credit : Enjoy Revolving Credit on your HDFC Bank Moneyback+ Credit Card at nominal interest rate. Please refer to the Fees and Charges section for more details.

HDFC MoneyBack Plus Credit Card Eligibility 

HDFC Moneyback Plus Credit Card ELIGIBILITY For Salaried People

  • Person Should be Citizen Of India
  • Age: Min 21 yrs. & Max 60 Yrs
  • Income: Gross Monthly Income should be greater than Rs.20,000

HDFC Moneyback Plus Credit Card ELIGIBILITY For Self Employed

  • Indian nationality
  • Age: Min Age – 21 yrs & Max Age – 65 Yrs
  • Income: Person should have filled ITR greater than ₹6.0 Lakhs per annum

HDFC Moneyback Plus credit card : FEES AND CHARGES 

  • Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
Type of fee or chargeAmount
Joining feeRs.500
Annual feeRs.500
Interest rate3.49% per month
Cash withdrawal fee2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit40% of the credit limit
Rewards redemption feeRs.99 per request
Late payment chargesLess than Rs.100 – NoneRs.100 to Rs.500 – Rs.100Rs.501 to Rs.5,000 – Rs.400Rs.5,001 to Rs.10,000 – Rs.500Rs.10,001 and above – Rs.750
Over limit charges2.5% of the over-limit amount (minimum Rs.500)
Payment return charges2% of payment amount (minimum Rs.450)
Cash processing feeRs.100
Reissue of lost, stolen or damaged cardRs.100
Foreign currency transaction fee3.5%
Outstation cheque processing chargeCheque value of up to Rs.5,000 – Rs.25Cheque value of more than Rs.5,000 – Rs.50

Important Note: If you spend ₹50,000 or more in a year before your Credit Card Renewal Date your Fees will be waived off.

BENEFITS OF HDFC MoneyBack Plus credit card

  • FUEL SURCHARGE WAIVER 

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

  • WELCOME / RENEWAL BENEFIT 

500 Cash Points (applicable only  on payment of membership fee)

  • QUARTERLY BASED BENEFIT 

Every Calendar quarter, get a gift voucher worth ₹500 on spends of ₹50,000 & above. Earn up to ₹2,000 worth gift vouchers in a year.

  • RENEWAL OFFER 

Get renewal membership fee waived off by spending ₹50,000 and above in an annual year

Documents Required for HDFC MoneyBack Plus credit card

  • Proof of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government approved photo ID proof

  • Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof

  • Proof of Income : 

 Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement.

HDFC MoneyBack Plus Credit Card Rewards Points:

Welcome Reward : 500 Cash Points

Earn 2 CashPoints per ₹150 spent on other spends

10X CashPoints on 5 merchants are Offered to Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy i.e., 20 CashPoints per ₹150 spent on

Earn 5X CashPoints i.e., 10 CashPoints per ₹150 spent on EMI spends at Merchant locations 2,500

HDFC MoneyBack Plus Credit Card Reward Point Conditions:

IMPORTANT NOTE:

Cardholder will be getting 5X CashPoints on the below type of EMI’s :

  • Merchant/EasyEMI
  • Aggregator EMI
  • Brand EMI

Please note that You will get cashpoints on EMI Principal and not on Interest, processing fees & GST amounts.

CashPoints shall not be eligible for the following spends on the card:

  • Fuel Spends
  • Rent payments and Govt Related transactions
  • Wallet loads / Gift or Prepaid Card load/ Voucher purchase
  • Cash Advances
  • Payment of Outstanding Balances
  • Payment of card fees and other charges
  • Smart EMI / Dial an EMI transaction
  • The Maximum CashPoints that can be earned under this feature is 2,500 points per Calendar Month
  • If the EMI transaction is Preclosed, the cardholder will be awarded only 2 CashPoints Per ₹150 on the

remaining outstanding amount.

  • In case of Cancellation/reversal/refund of EMI transactions, CashPoints posted will get reversed from

the cardholder’s account.

How HDFC MoneyBack Plus Credit Card Reward Point Calculated?

Let’s Take an Example :

If the cardholder spends ₹20,000 in calendar month cycle with following break up of spends

  • Spends on 5 – merchants: ₹10,000
  • Other Spends: ₹5,000
  • Fuel Spends: ₹2,000
  • EMI Purchase: ₹3,000

Out of these Fuel spends won’t be rewarded CashPoints.

Thus, the total spends eligible for CashPoints would be ₹10,000 + ₹5,000 + ₹3,000 = ₹18,000

The CashPoints earned for the billing cycle in example would be calculated as follows:

  • 10X CashPoints of ₹10,000 = 1,320
  • 5X CashPoints on EMI transaction of ₹3,000 = 200
  • 2 CashPoints per ₹150 of ₹5,000 = 66

Thus, the total CashPoints for the example would be 1,586. This will be posted in the card account.

How to Redeem HDFC MoneyBack Rewards Points

HDFC Cardholder can redeem the Reward Points as CashBack/Reward catalog/SmartBuy Travel on the MoneyBack Plus Credit Card

CashPoints Earned on HDFC Bank MoneyBack+ Credit Card at the rate of 1 CashPoint = ₹0.25 against Statement Balance via Net Banking login, Phone Banking, or physical redemption form.

Please note that :

For Redemption against statement balance, Cardholder must have minimum CashPoints equivalent to ₹500

  • Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint =₹0.25
  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal.

Reward Points Redemption Condition :

  • With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
  • With effect from 1st February 2023, card members can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
  • CashPoints earned on your HDFC Bank MoneyBack+ Credit Card are valid only for 2 years from the date of transaction.

For e.g. If you receive Reward Points in August 2021, same will expire in August 2023

  • Unredeemed CashPoints will expire/lapse after 2 years of accumulation
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