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REWARD POINTS CARD

MoneyBack Plus Credit Card

HDFC Bank

10X CashPoints (up to 2.5% valueback) at select merchants, 2 CashPoints per ₹200 on other spends, ₹500 gift voucher on ₹50,000 quarterly spends and 1% fuel surcharge waiver.

Renewal fee ₹500 + taxes (waived on ₹50,000 annual spend). CashPoints lapse after 2 years. Fair usage cap of 15,000 points per statement cycle. Rent, government, gaming payments earn nothing.

MoneyBack Plus Credit Card
ANNUAL FEE
₹500 + GST
JOINING FEE
₹500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
10X CashPoints (up to 2.5% valueback) at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket
BEST FOR
Included: May suit salaried applicants with net monthly income above ₹20,000 or self-employed applicants with ITR above ₹6 lakh.
Included: May suit shoppers who regularly spend at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore or BigBasket
Included: May suit those who can reach ₹50,000 of spends in a quarter or a year for the gift voucher or renewal waiver
Included: May suit salaried applicants with net monthly income above ₹20,000 or self-employed with ITR above ₹6 lakh a year
Limitation: Those unlikely to spend ₹50,000 a year for the renewal waiver may wish to compare other cards.
Limitation: Those expecting points on rent, government, online gaming, wallet loading may wish to compare other cards.
Limitation: Those who prefer a card without a ₹500 + taxes renewal fee unless ₹50,000 is spent in may wish to compare other cards.
Limitation: Those who may carry a balance may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: From 15 May 2026, base rewards accrue per ₹200 spent (earlier ₹150); the bank's page links a notice of card changes effective that date.
Condition: Fair usage: up to 15,000 points can be earned per statement cycle. Unredeemed CashPoints lapse after 2 years of accumulation.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹500 + GST
Annual / renewal fee
₹500 + GST
Fee waived at
Spend ₹50,000 or more in a year, before the card renewal date, for renewal fee waiver
Forex markup
Not stated
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400–₹5,000; maximum waiver ₹250 per statement cycle; GST on surcharge not reversed
Dining
Additional 10% off on Swiggy Dineout using coupon code HDFCCARDS
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on rent payments, online skill-based gaming, government-related transactions, wallet loading or education payments via third-party apps. Fair usage cap 15,000 points per statement cycle.; Rent; online skill-based gaming; government-related transactions; wallet loading; EasyEMI; education via third-party apps; amounts below ₹200; points reversed on SmartEMI conversion
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 10X CashPoints (up to 2.5% valueback) at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket
Included: 10X CashPoints (up to 2.5% valueback) at Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket
Included: 2 CashPoints per ₹200 on other spends, plus a ₹500 gift voucher on spends of ₹50,000 per calendar quarter
Included: 1% fuel surcharge waiver (₹400–₹5,000 transactions, up to ₹250 per statement cycle) and up to 50 interest-free days
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.