HDFC MoneyBack Credit Card – 2X Online Points, ₹500 Quarterly Voucher & Dining

HDFC

HDFC Moneyback Credit Card

This is an invite only card

Apply and get ₹1100 Rewards

Top Benefits

Earn 2X Reward Points on every ₹150

spent online capped at 500 reward points per statement cycle (1 reward point = up to ₹0.25)

Get up to 10% Cashback on Flights, Hotels, and Gift Vouchers

via SmartBuy portal

Best For

Shopping

Dining

Travel

Joining / Annual Fee

Joining Fees

₹590 ( ₹500 + GST )

logo No welcome benefit is provided to offset the joining fee.

Annual Fees

₹590 ( ₹500 + GST )

logo The annual fee is waived if you spend ₹50000 or more in a year on your card, as per bank policy.

Eligibility

Age
Criteria*

21-60 years

Salary
Criteria*

3LPA

Credit
Rating*

720+

New to credit
allowed

Yes

Existing Bank
Customer Allowed

See if you are eligible for this card

All Card Benefits

Earn 2X reward points on every ₹150 spent online, capped at 500 reward points per statement cycle
Earn 1 reward point for every ₹150 spent on all other spends
Up to 20% off on Swiggy Dineout via Good Food Trail dining privileges

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

Cashback
Product Catalogue
SmartBuy (Travel)
Insta Vouchers

To check redemption catalogue

Click Here

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
Please use Aadhaar linked mobile number to fill the application
If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via Great.Cards to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

Insurance

For Spends Waiver

Fuel

Insurance

Bank Fee Structure

Structure	Details
Forex Markups 3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.	3.75%
ATM withdrawal 3.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹.	3.5%
Reward Redemption Fees A reward redemption handling fee of ₹150 plus applicable GST is charged per redemption request.	₹150
Link for all T&Cs	Click Here
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases.	1%
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
Cheque Payment Fees A fee of ₹50 is charged for payments made by cheque.	₹50
Cash Payment Fees A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM.	₹100