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HDFC MoneyBack Credit Card

HDFC MoneyBack Credit Card is a super savings card that offers instant cashback on every spend. Cashback Credit Card, Attractive Rewards on Every Transaction, No Fuel Charges, Welcome Bonus 500 Cashback Points, Rs. A gift voucher of Rs.500 after spending 50,000 or more every year . The card comes with a joining and renewal fee of Rs. 500 plus applicable taxes.

Key Highlights of HDFC MoneyBack Credit Card

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.

Features & Benefits of HDFC MoneyBack Credit Card

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. 


  • 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.

HDFC MoneyBack Credit Card Fees & Charges

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.

HDFC MoneyBack Credit Card Eligibility

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.

HDFC MoneyBack Credit Card Document Required

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

How to Apply for an HDFC MoneyBack Credit Card?

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.

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