Following are the key highlights of HDFC Bank MoneyBack credit card:

• HDFC MoneyBack Platinum credit card comes with Zero lost card liability on reporting card loss immediately to HDFC’s 24-hour call centre. 
• HDFC MoneyBack credit card offers an interest free credit period of up to 50 days from the date of purchase.
• You can also apply for the HDFC Bank Business MoneyBack credit card variant.
• Revolving credit at nominal interest rate.
• With the Smart EMI option offered with HDFC Money Back credit card, convert your big spends into EMI after purchase. 
• The HDFC Bank Money Back credit card is enabled for contactless payments, facilitating fast, convenient & secure payments at retail outlets.
• Attractive HDFC MoneyBack credit card reward points on each transaction.

Following are the HDFC MoneyBack credit card benefits and features in detail:

Welcome Benefit

• Under HDFC MoneyBack Platinum credit card benefits, get 500 cash points on payment of membership fee.

Annual Spend Benefit

• Get Rs. 500 worth gift vouchers on spending Rs. 50,000 and above in each calendar quarter.

Renewal Offer

• Get renewal membership fee waived off on spending Rs. 50,000 and above in the first year. 

Rewards

• Earn 2 reward points on spending every Rs. 150
• Earn 2X reward points (i.e. 4 reward points) on spending every Rs. 150 online. You can earn up to 500 reward points per statement cycle for online spends, under this feature.
• Get a gift voucher worth Rs. 500 every quarter on spending Rs. 50,000. Earn gift vouchers worth up to Rs. 2,000 in a year.
• Accumulated reward points on HDFC money back card can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
• Reward points can also be redeemed against travel benefits like flight and hotel bookings (up to a maximum of 50% of the booking value) and rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 RewardPoint = up to Rs. 0.25.
• Reward Points earned on your MoneyBack credit card HDFC are valid for 2 years from the date of accumulation.

Fuel Surcharge Waiver

• Get 1% fuel surcharge waiver across all fuel stations in India.
• Minimum transaction value should be Rs. 400 to avail the HDFC MoneyBack credit card fuel surcharge benefit. 
• Maximum cashback available up to Rs. 250 per statement cycle.

Following are the HDFC MoneyBack credit card charges:

• Joining fee: Rs. 500 + applicable taxes.
• Annual fee: Rs. 500 + applicable taxes. Spend minimum Rs. 50,000 in a year to get the next year’s annual membership waived off.
• Charges on revolving credit: 3.49% per month (41.88% annually).
• Cost per Point (in Rs.): Up to 0.25 for Product Catalogue, 0.2 for SmartBuy (Flights/Hotels) with 50% capping, 0.2 for Cashback, and 0.25 for Airmiles.
• Auto EMI conversion charges: 20% HDFC MoneyBack credit card interest rate and processing fee of Rs. 99.
• Cash advance charge: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Late payment charges: Up to Rs. 1,300.
• Charges on overlimit account: 2.5% of overlimit amount, minimum Rs. 500.
• Payment return charges: 2%, minimum Rs. 450.
• Rewards redemption fee: Rs. 99 per redemption request. 
• Cash processing fee: Rs. 100. 
• Balance transfer processing charges: 1% of the balance transfer amount or Rs. 250, whichever is higher.
• Foreign currency transactions: 3.5%
• Duplicate physical statement charge: Rs. 10 per duplicate physical statement.
• Railway ticket purchase charge: 1% of the transaction amount + GST.
• Reissuance of lost/stolen/damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25 for cheque value up to Rs. 5,000 and Rs. 50 for cheque value above Rs. 5,000.
• Goods and Services Tax (GST): GST will be charged wherever applicable.
• TDS on withdrawals above Rs. 1 Crore: 2% on total cash withdrawals above Rs. 1 Crore.

Following are the eligibility criteria for HDFC MoneyBack Credit Card:

Eligibility for Salaried:

• The applicant must be an Indian citizen.
• The age of the applicant should be at least 21 years and maximum up to 60 years.
• Gross monthly income of the applicant should be above Rs. 25,000.

Eligibility for Self-employed:

• The applicant must be an Indian citizen.
• The age of the applicant should be at least 21 years and maximum up to 65 years.
• Annual income of the applicant as per the latest ITR should be above Rs. 6 Lakhs.

If you want HDFC MoneyBack Credit Card apply online with the following documents:

• Address Proof (any of the following):
  • Aadhaar Card
  • Ration Card
  • Passport
  • Voter ID
• Identity Proof (any of the following):
  • Aadhaar Card
  • Driving License
  • Passport
• Income Proof: 
  • Salary Slips
  • Form 16
  • Income Tax Returns

If you want to avail of the HDFC Business MoneyBack credit card benefits, apply for the card online through our website by following the steps mentioned below:

• Click on the ‘Credit Cards’ on the homepage of our website.
• From the dropdown menu, choose ‘HDFC’ and then click on the ‘Apply Now’ button.
• Enter all the required details including your name, mobile number, email address, employment information, income details, and so on.
• Verify your mobile number with an OTP.
• You will get a call from our credit cards expert soon to help you complete the credit card application process.