HDFC Bank
HDFC Bank MoneyBack+ Credit Card
Your rating
Community rating
Joining Fee
₹500
Annual Fee
₹500
Reward Rate
1% – 2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 2%
Earn rate
₹0.3
Per point
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.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 18 Mar 2026