HDFC MoneyBack Credit Card

Secure application on HDFC Bank's website

HDFC MoneyBack Credit Card
Annual Fee
₹500
Min Income
₹6,00,000
Regular APR
43.2%
Rating
4.4/5

HDFC MoneyBack Credit Card

Shopping, Cashback, Rewards • Card

Welcome Benefit

500 CashPoints (applicable only on payment of membership fee).

Why We Chose It

Ideal for individuals seeking cashback benefits on everyday purchases, along with attractive rewards on shopping and dining.

Pros

  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
  • 2 CashPoints per ₹150 spent on other transactions (excluding EMI, fuel, wallet loads/prepaid card loads & voucher purchases).
  • ₹500 gift voucher on spends of ₹50,000 per calendar quarter (up to ₹2,000 in a year).
  • Up to 20% savings on restaurant bills via Swiggy Dineout.
  • Fuel surcharge waiver of 1% on fuel transactions (Min ₹400, Max ₹5,000; Max waiver ₹250 per statement cycle).
  • Quarterly gift vouchers for meeting spend requirements.

Cons

  • Foreign transaction fee of 3.5%.
  • No fuel cashback for fuel purchases.
  • Annual fee of ₹500 + taxes.