HDFC
HDFC MoneyBack Plus Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 10X CashPoints on Amazon and Flipkart
spends with a monthly reward capping of 2,500 CashPoints
Get up to ₹200 off per on Swiggy Dineout
Discount using coupon code HDFCCARDS per transaction on a minimum order value of ₹2,000, up to twice per month
Best For
Shopping
Online Food Ordering
Dining
Grocery Shopping
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
2.4LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- 10X CashPoints (up to 3.3% valueback) on Amazon, Flipkart, Swiggy, BigBasket & partner merchants (monthly cap ₹2,500 for Amazon/Flipkart)
- 10X CashPoints on online food ordering (monthly cap ₹15,000)
- 2 CashPoints per ₹150 spent on all other transactions
- ₹500 gift voucher on quarterly spends of ₹50,000 or more
- Accelerated rewards across household and everyday spending categories
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Cashback (statement credit, ₹0.25/point, min 2,000 points = ₹500)
- Flights/Hotels (SmartBuy, 1 point = ₹0.25, max 50% of booking)
- Gift Vouchers/Products (up to 70% value via points)
- Rewards catalog
To check redemption catalogue
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
Rent payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions
Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions
Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2%
| 3.60% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC. | 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 ₹25 (≤ ₹5,000), ₹50 (> ₹5,000) | ₹50 |
Cash Payment Fees ₹100+ taxes will be charged for all payments done via Cash | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1000 | ₹100 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10000 - ₹25000 | ₹750 |
| ₹25001 - ₹50000 | ₹900 |
| ₹50000 and above | ₹1100 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 10X CashPoints on Amazon and Flipkart
spends with a monthly reward capping of 2,500 CashPoints
Get up to ₹200 off per on Swiggy Dineout
Discount using coupon code HDFCCARDS per transaction on a minimum order value of ₹2,000, up to twice per month
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