HDFC Bank MoneyBack+ Credit Card
HDFC Bank
A dependable, low-fee cashback workhorse for online shopping and groceries.
₹500
Joining fee
₹500
Annual fee
Renewal fee waived on spending Rs 50,000 in each anniversary year.
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried min Rs 20,000/month; self-employed ITR exceeding Rs 6 lakh annually. Age up to 65 for self-employed.
Key features
- 10X CashPoints on Amazon/Flipkart/Swiggy/BigBasket/Reliance Smart
- ₹500 voucher at ₹50k quarterly spend
- Fuel surcharge waiver
Reward details
2 CashPoints per Rs 200 on other categories, including UPI spends
- 10X = 20 CashPoints per Rs 200 on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, BigBasket — 2,500 points/month (bonus category); grocery separately capped at 1,000 points/month
Redemption
Redeemable as cashback, SmartBuy travel bookings, product catalogue, or air miles.
Ratio: 1 CashPoint = Rs 0.25
Excluded from rewards: fuel, wallet reload, prepaid card loads, voucher purchases, rent payments, government-related transactions
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Useful for frequent purchases at the card's partnered retailers (Amazon, Flipkart, Swiggy, BigBasket). — Paisabazaar
Complaints
- 'No travel benefits'; low conversion rate (Rs 0.25/point); relatively high forex markup for a mass-market card. A CardMaven commenter noted difficulty finding a RuPay variant during application, and another user corrected the aggregator's own stated statement-credit redemption rate, suggesting cardholders should independently verify advertised benefit figures. — Paisabazaar/CardMaven
Sources
- Aggregator — fees, eligibility, rewards, sentiment
- Aggregator — forex, lounge, sentiment