HDFC BankHDFC Bank MoneyBack+ Credit Card
The HDFC Bank MoneyBack+ Credit Card is an entry-level cashback card for first-time credit card users.
Top Category Performance
Beginner & Zero Fee (85/100)
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
1 – 2
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HDFC Bank MoneyBack+ Credit Card Benefits
HDFC Bank MoneyBack+ Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 2%
Earn rate
₹0.3
Per point
HDFC Bank MoneyBack+ Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
HDFC Bank MoneyBack+ Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Bank MoneyBack+ Credit Card Eligibility
Pros & Cons
- Good entry-level online shopping credit card
- Strong rewards on Amazon, Flipkart & Swiggy spends
- Easy annual fee waiver milestone
- Quarterly milestone vouchers add extra value
- Beginner-friendly rewards structure
- Useful dining discounts via Dineout
- Often offered lifetime free to selected users
- Reward redemption value is low (1 CashPoint = ₹0.25)
- No airport lounge access
- Forex markup is high for international spending
- Accelerated rewards have monthly caps
- Reward exclusions apply on fuel, rent, wallet loads & government payments
- Cashback cards like SBI Cashback often provide better overall returns
- Best value limited to selected online brands
Who is this card for?
First-time credit card users or those with lower incomes who want cashback rewards without a complex structure. Ideal as a primary card for online shopping on Amazon or Flipkart.
Quick Links
Data last updated 8 Aug 2026
Popular Comparisons for HDFC Bank MoneyBack+ Credit Card
Direct side-by-side MITC term matchups
HDFC Bank MoneyBack+ Credit Card vs ACE Credit Card
Axis Bank · ₹499
HDFC Bank MoneyBack+ Credit Card vs Adani One ICICI Bank Platinum Credit Card
ICICI Bank · ₹750
HDFC Bank MoneyBack+ Credit Card vs Airtel Axis Bank Credit Card
Axis Bank · ₹500
HDFC Bank MoneyBack+ Credit Card vs Amazon Pay ICICI Bank Credit Card
ICICI Bank · Free
HDFC Bank MoneyBack+ Credit Card vs American Express SmartEarn Credit Card
American Express · ₹495
HDFC Bank MoneyBack+ Credit Card vs AU Altura Plus Credit Card
AU Small Finance Bank · ₹499
More from HDFC Bank
Calculate your exact earnings with HDFC Bank MoneyBack+ Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.