HDFC Bank MoneyBack+ Credit Card Review: 10X CashPoints on Five Brands

The HDFC Bank MoneyBack+ Credit Card gives 10X CashPoints at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, up to 2,500 a calendar month, and 2 CashPoints per ₹200 elsewhere. It costs ₹500 plus GST, waived on ₹50,000 of yearly spend, but since 1 November 2025 a CashPoint is worth 20 paise as cashback, so a full month's 10X cap is worth ₹500.

By Abhishek Kumar · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST. Renewal fee waived on annual spends of ₹50,000 (MITC)
Base reward: 2 CashPoints per ₹200 on other spends
Best category: Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, non-EMI: 10X CashPoints (Aug 2024 T&C: 20 CashPoints per ₹150)
Lounge: Domestic: None International: None
Forex markup: 3.5% of the amount
Network: RuPay

Apply on HDFC Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A low-cost first HDFC card for people whose shopping runs through Amazon, Flipkart, Swiggy and BigBasket, though its value per point has fallen and its caps are tight.

Best for

First-time cardholders who meet the ₹20,000 monthly income floor
Shoppers spending ₹10,000 to ₹25,000 a month at the five 10X brands
People who want a RuPay card for UPI payments

Skip it if

Most of your spending is outside the five brands, where the base earn is 0.2% as cashback
You want lounge access or a low forex markup
You redeem cashback in small amounts, since each redemption costs ₹50 plus GST

Highlights

Joining and renewal fee ₹500 plus GST, waived on ₹50,000 a year
10X CashPoints at five brands, up to 2,500 a month
Cashback value 20 paise a CashPoint since 1 November 2025
₹500 voucher for each quarter with ₹50,000 of spends
RuPay variant works on UPI

What MoneyBack+ is, and who it is for

MoneyBack+ is HDFC Bank's entry shopping card. It pays rewards as CashPoints: 10X at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore (with Reliance Fresh, Reliance Smart and Sahakari Bhandar) and Swiggy, and 2 CashPoints per ₹200 on other spends. The card is active and confirmed on RuPay, which mean you can use it on UPI. HDFC's documents don't confirm a Visa or Mastercard version.

It is pitched at people taking there first card, with a ₹500 fee and a ₹20,000 monthly income floor. If your month is Amazon parcels, Swiggy dinners and a BigBasket basket, the 10X list covers most of it.

Three things that decide its value

What a CashPoint is worth. 20 paise as cashback since 1 November 2025, or 25 paise on SmartBuy flights, hotels and the catalogue. At 20 paise the base earn is just 0.2% (2 points per ₹200).
The 10X cap. 2,500 CashPoints a calendar month, which is ₹500 as cashback (2,500 times 20 paise) or ₹625 on SmartBuy (2,500 times 25 paise).
The redemption cost. ₹50 plus GST every time you take cashback, with ₹500 as the minimum.

Changes since 2024

1 August 2024: the ₹50 fee on cashback redemptions started.
1 September 2024: 5X CashPoints on merchant EMI was removed, and wallet loads, EasyEMI and education paid through third-party apps stop earning. Utility and telecom points got a 2,000-a-month cap each.
1 July 2025: online skill-based gaming stopped earning; 1% fees came on wallet loads and gaming above ₹10,000 a month, and the rent fee got a ₹4,999 cap.
1 November 2025: the cashback value fell from 25 paise to 20 paise a CashPoint.
15 May 2026: the base earn moved to 2 CashPoints per ₹200, counted in multiples of ₹200 instead of ₹150, and a 1.75% markup arrived on rupee payments abroad.

MoneyBack+ fees and charges

You pay ₹500 to join and ₹500 at each renewal, plus GST, which make it ₹590 at 18% (₹500 plus ₹90). HDFC bills the first-year fee, with GST, 120 days after the card is issued; once it's paid, 500 welcome CashPoints arrive, worth ₹100 as cashback (500 times 20 paise). Each renewal fee paid also earns 500 CashPoints.

The waiver. HDFC's MITC waives the renewal fee on annual spends of ₹50,000, about ₹4,167 a month (₹50,000 divided by 12 is ₹4,166.67). That is a low bar; a few Amazon orders, some Swiggy dinners and the monthly groceries reaches it. Add-on cards are lifetime free.

Interest, late fee and cash

HDFC's MITC puts interest at 3.75% a month (45% a year) on revolving credit and cash, with GST extra. On ₹15,000 carried for 30 days you will paying about ₹555 (₹15,000 times 45% times 30, divided by 365).

The late fee, excluding GST, follows the bill amount: nil up to ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹1,000, ₹600 for ₹1,001 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, ₹900 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000 and ₹1,300 above ₹50,000. It's charged only when the minimum due stay unpaid 3 days after the due date. Cash withdrawals cost 2.5% or ₹500, whichever is higher, plus interest from the day you withdraw. Going past the limit, which needs your explicit consent, costs 2.5% with a ₹550 minimum.

Forex and the special fees

Foreign currency: a 3.5% markup, GST extra. Paying in rupees abroad, or to a merchant registered overseas: 1.75% since 15 May 2026.
Rent: 1% of each payment, capped at ₹4,999 a transaction.
Fuel: 1% when one fuel bill exceeds ₹15,000, up to ₹4,999. Smaller fills of ₹400 to ₹5,000 gets the 1% surcharge waived, up to ₹250 a statement cycle.
Utilities: 1% when a calendar month's utility spends exceed ₹50,000, capped at ₹4,999 a month; insurance is not counted as utility.
Wallet loads (other than PayZapp) and online skill-based gaming: 1% each once the month crosses ₹10,000, capped at ₹4,999 a month.
Education through CRED, NoBroker, Cheq and similar apps: 1% up to ₹4,999. Direct payment to the school or college, and international education, carry no fee.
Railway tickets: 1% plus GST. Card reissue: ₹199. Payment return: 2%, minimum ₹450.

MoneyBack+: fees and charges

Joining fee	₹500 + GST
Annual or renewal fee	₹500 + GST
Annual fee waiver	Renewal fee waived on annual spends of ₹50,000 (MITC)
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Joining/Renewal: ₹500 plus applicable taxes.
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Over-limit fee	2.5% of the over-limit amount, minimum ₹550, only with the cardholder's explicit consent.
Forex markup	3.5% of the amount
Other fees	Rent payments: 1% of the transaction amount on any applicable merchant, capped at ₹4,999 per transaction (w.e.f. 1 Jul 2025). Fuel: 1% on the whole amount of a fuel transaction above ₹15,000 (consumer cards), capped at ₹4,999 per transaction. Utilities: 1% on total utility spends when they exceed ₹50,000 in a calendar month, capped at ₹4,999 per month (insurance is not treated as utility). Education: 1% on payments through third-party apps such as CRED, NoBroker, Cheq, capped at ₹4,999 per transaction; direct payments to the school or college website or POS and international education are not charged. Wallet loading (excluding PayZapp): 1% on total wallet loads when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Online skill-based gaming: 1% on total gaming spends when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Railway ticket purchases: 1% of the transaction amount + GST (all cards other than IRCTC). Dynamic currency conversion markup: 1.75% on transactions in Indian rupees at an international location or with merchants located in India but registered overseas (w.e.f. 15 May 2026). Card reissue (lost, stolen, damaged or network change): ₹199 for non-metal cards; ₹3,500 for metal cards (w.e.f. 15 May 2026). Payment return: 2% of the payment amount, minimum ₹450. Cash processing fee: ₹100 for card payments deposited in cash at HDFC Bank branches or ATMs. Balance transfer processing: 1% of the amount or ₹250, whichever is higher. EasyEMI processing fee at merchants: up to ₹299 (w.e.f. 1 Aug 2024).

How CashPoints are earned, and what they are worth

Outside the five brands you get 2 CashPoints per ₹200, counted only in full multiples of ₹200 since 15 May 2026, so a ₹350 bill earns on ₹200 only. At the five brands HDFC pays 10X CashPoints. Its August 2024 terms put that at 20 CashPoints per ₹150, but HDFC have not said whether the 10X is now counted per ₹200 like the base. Our examples use 20 per ₹200, the lower reading.

The two readings explains why HDFC's own pages disagree. At 25 paise on SmartBuy, 20 points per ₹200 is the 2.5% on the product page, while 20 per ₹150 is about the 3.3% on the RuPay microsite (20 divided by 150, times 25 paise). As cashback at 20 paise those rates become 2% and about 2.67%.

Caps. The 10X stops at 2,500 CashPoints a calendar month across the five brands. Grocery points are capped at 1,000 a month, utility and telecom at 2,000 each, UPI spends on the RuPay card earn 2 per ₹150 up to 500 a month, and no statement cycle can earns more than 15,000. HDFC doesn't say whether BigBasket and Reliance Smart points count against the grocery cap, or what spends past the 10X cap earn, so we count the latter at nothing.

No CashPoints on fuel, rent, government payments, wallet and gift card loads, EasyEMI, education through third-party apps, online skill-based gaming, cash advances, fees, SmartEMI and voucher purchases. Buys at the five brands through SmartBuy or PayZapp earns only the base rate.

Value and bonuses. Cashback needs a ₹500 minimum, so 2,500 CashPoints before you can redeem (₹500 divided by 20 paise), and each redemption costs ₹59 with GST (₹50 plus ₹9). SmartBuy pays 25 paise, for up to 50% of a flight or hotel booking. CashPoints lapse 2 years after they're earned. Every calendar quarter with ₹50,000 of spends bring a ₹500 gift voucher.

Per month	Light	Typical	Heavy
Five 10X brands at 20 per ₹200	₹5,000: 500	₹15,000: 1,500	₹30,000: 2,500 (capped)
Other spends at 2 per ₹200	₹6,000: 60	₹9,000: 90	₹18,000: 180
Fuel, rent and other excluded spends	₹1,000: 0	₹1,000: 0	₹2,000: 0
CashPoints a year	6,720	19,080	32,160
Cashback at 20 paise	₹1,344	₹3,816	₹6,432
Quarterly vouchers	None	₹2,000	₹2,000
Redemption fees	₹118	₹236	₹354
Net yearly value, fee waived	₹1,226	₹5,580	₹8,078

Light, ₹12,000 a month. ₹5,000 at Amazon and Swiggy earns 500 CashPoints and ₹6,000 elsewhere earns 60, so 560 a month, 6,720 a year (560 times 12), or ₹1,344 as cashback. Quarters of ₹36,000 (₹12,000 times 3) miss the voucher, but ₹1,44,000 a year (₹12,000 times 12) easily clear the ₹50,000 waiver. Two redemptions cost ₹118 (2 times ₹59), leaving ₹1,226.

Typical, ₹25,000 a month. Say ₹8,000 on Amazon and Flipkart, ₹4,000 on BigBasket and ₹3,000 on Swiggy: that ₹15,000 earns 1,500 CashPoints, and ₹9,000 elsewhere adds 90. So 1,590 a month, 19,080 a year and ₹3,816 in cashback. Each quarter is ₹75,000 (₹25,000 times 3), so four ₹500 vouchers add ₹2,000. After four redemptions at ₹59 (₹236), the year are worth ₹5,580.

Heavy, ₹50,000 a month. ₹30,000 at the five brands would be 3,000 CashPoints, but the cap stops at 2,500, which ₹25,000 already fills, so the last ₹5,000 should goes on another card. Add 180 from ₹18,000 of other spends: 2,680 a month, 32,160 a year, ₹6,432. With ₹2,000 in vouchers and ₹354 in fees (6 times ₹59), that's ₹8,078 on ₹6,00,000 of yearly spend (₹50,000 times 12), about 1.35% (₹8,078 divided by ₹6,00,000).

MoneyBack+: higher-reward categories

Category	Rate	Cap
Amazon, BigBasket, Flipkart, Reliance Smart SuperStore (incl. Reliance Fresh, Reliance Smart, Sahakari Bhandar) and Swiggy, non-EMI	10X CashPoints (Aug 2024 T&C: 20 CashPoints per ₹150)	up to 2,500 CashPoints under the 10X CashPoints feature in a calendar month, ₹2,500, calendar month

MoneyBack+: how rewards work

Earned as	CashPoints
Base rate	2 CashPoints per ₹200 on other spends (from 15 May 2026; the Aug 2024 T&C says 2 CashPoints per ₹150)
Minimum spend rules	Transactions of ₹150 and multiples of ₹150 counted (Aug 2024 T&C); multiples of ₹200 from 15 May 2026
No rewards on	Fuel Rent payments Government related transactions Wallet loads and gift or prepaid card loads (MCC 6540) EasyEMI transactions; points reversed if a purchase is converted to SmartEMI Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming (from 1 Jul 2025) Cash advances Payment of outstanding balance Card fees and charges Smart EMI / Dial an EMI Voucher purchases
Lower rewards on	Grocery: capped at 1,000 reward points per month UPI spends: 2 RPs per ₹150, capped at 500 RP per month (RuPay variant) Utility and telecom: each capped at 2,000 RP per calendar month (MITC, from 1 Sep 2024) Transactions through SmartBuy or PayZapp at the 5 merchants earn only the base rate
Value of a point	Cashback against statement balance: 20 paise per point from 1 Nov 2025 (was ₹0.25); minimum redemption ₹500 SmartBuy flights, hotels and rewards catalogue: 1 CashPoint = ₹0.25 (Aug 2024 T&C); flights and hotels up to 50% of booking
Redemption fee	₹50 + GST per cashback redemption (w.e.f. 1 Aug 2024); ₹99 + GST per catalogue redemption
Expiry	Unredeemed CashPoints lapse 2 years after accumulation
Welcome benefits	500 CashPoints if the joining membership fee is paid
Milestone benefits	₹500 gift voucher on spends of ₹50,000 in a calendar quarter 500 CashPoints renewal benefit when the membership fee is paid
Lounge access	Domestic: None International: None
Fuel surcharge waiver	1% fuel surcharge waiver on transactions of ₹400 to ₹5,000; maximum waiver ₹250 per statement cycle
Insurance cover	Not published by the bank

Who can get MoneyBack+, and how to apply

For salaried applicants HDFC's eligibility page asks for age 21 to 60 and gross monthly income above ₹20,000; the product page says net monthly income above ₹20,000 instead, so it is safer to count your take-home pay. Self-employed applicants needs an ITR above ₹6 lakh a year and an age between 21 and 65. You must be an Indian national.

There's no card-specific document list from HDFC. The bank's general advice is proof of identity, address and income, which existing HDFC Bank customers may not have to give again. Applications go through the card page online or through a branch, and HDFC's FAQ says the branch visit isn't mandatory. For a online application expect a Video KYC call, which the RBI's KYC Directions treat equal to a face-to-face check.

What HDFC will weigh

Your income and all the credit limits you holds elsewhere, which card issuers must assess under the RBI's 2025 Directions.
Your credit history. On Experian's 300 to 900 scale, above 750 is generally considered good; CRIF draws the line at 700.
Your KYC papers: passport, driving licence, proof of possession of Aadhaar, voter ID, NREGA job card or NPR letter, along with PAN or Form 60.

The one-page Key Fact Statement that HDFC must hand over with the application shows the rate and every charge, so read it before signing. Approval is HDFC Bank's decision, and if it declines, it has to give you the specific reasons in writing. By RBI's count HDFC is the largest issuer, with 2,73,79,937 cards outstanding in September 2026, about 21.8% of the 12,53,15,381 for all banks.

MoneyBack+: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 65 years
Income (salaried)	Gross Monthly Income > ₹20,000
Income (self-employed)	Income Tax Return (ITR) > ₹6 lakh per annum
Other conditions	Indian nationals
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
How to apply	Online at applyonline.hdfc.bank.in (Apply Now on each card page), or at an HDFC Bank branch; FD-backed Pixel cards can be applied for in the PayZapp app. HDFC's FAQ says a branch visit is not mandatory.
Card customer care	1800 1600 / 1800 2600 (toll-free in India); +91 22 6160 6161 from outside India

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

MoneyBack+ against three similar shopping cards

All three costs ₹500 to ₹1,000 a year and reward online shopping, but they value points very differently.

HDFC Bank Millennia

HDFC's own Millennia costs ₹1,000 plus GST, waived on ₹1 lakh a year. It pays 5% on ten merchants, Amazon, Flipkart and Swiggy among them, plus 1% on other spends; both buckets stop at 1,000 CashPoints a month, and there a CashPoint is worth ₹1. That's up to ₹1,000 a month from its 5% group against ₹500 from MoneyBack+'s 10X. A ₹1 lakh quarter brings a ₹1,000 voucher or a lounge visit.

SimplyCLICK SBI Card

The SimplyCLICK SBI Card costs ₹499 plus GST, reversed on ₹1 lakh a year. It gives 10 points per ₹100 at partners such as Myntra, Swiggy, BookMyShow and Cleartrip with no cap, 5 per ₹100 on other online spends up to 10,000 points a month and 1 per ₹100 offline, at 25 paise a point. It adds a ₹500 Amazon Pay gift card on joining and ₹2,000 travel vouchers at ₹1 lakh and ₹2 lakh of online spends.

Flipkart Axis Bank

Axis's Flipkart co-brand also charges ₹500 plus GST but needs ₹3.5 lakh for a waiver. Its cashback lands on the statement with no redemption fee. Myntra pays 7.5% and Flipkart and Cleartrip 5%, with a ₹4,000 cap per statement quarter on each; Swiggy, Uber and PVR pay 4% with no cap, and the rest 1%.

None of the three, nor MoneyBack+, has a standing lounge benefit, and all four charge 3.5% on foreign currency.

Who should pick which

MoneyBack+, if you're new to credit, BigBasket and Reliance Smart are in your routine, and you want RuPay on UPI.
Millennia, if you spends ₹10,000 or more a month on its ten merchants and want ₹1 a point.
SimplyCLICK, if your online spending is spread across many sites, including its partner list.
Flipkart Axis, when most orders go to Flipkart or Myntra and you like cashback without a redemption step.

See the HDFC Bank cards page, HDFC Bank customer care, the MoneyBack+ vs SimplySAVE comparison, our comparison guide or all credit cards.

MoneyBack+ against similar cards

Term	MoneyBack+ Credit Card This card	Millennia Credit Card	SimplyCLICK SBI Card	Flipkart Axis Bank Credit Card
Bank	HDFC Bank	HDFC Bank	SBI Card	Axis Bank
Joining fee	₹500 + GST	₹1,000 + GST	₹499 + GST	₹500 + GST
Annual fee and waiver	₹500 + GST. Renewal fee waived on annual spends of ₹50,000 (MITC)	₹1,000 + GST. Renewal fee waived on spending ₹1 lakh or more in a year before renewal date.	₹499 + GST. Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.	₹500 + GST. Annual fee (2nd year onward) waived on spends of INR 3,50,000 in the preceding card anniversary year; rent and wallet loads (Key Fact Sheet: also gift cards) do not count; spends counted by posting date.
Base reward	2 CashPoints per ₹200 on other spends	1% CashBack on other spends... (about 1% value)	1 Reward Point per Rs. 100 on all other spends (about 0.25% value)	1% cashback on other eligible spends, no cap (about 1% value)
Best category	Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, non-EMI: 10X CashPoints (Aug 2024 T&C: 20 CashPoints per ₹150)	Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, non-EMI spends: about 5% value	Online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy, Tata CLiQ, Yatra: about 2.5% value	Myntra: about 7.5% value
Lounges	Domestic: None International: None	Domestic: No standing complimentary lounge access since 1 Dec 2023; 1 domestic lounge access can be chosen instead of the ₹1,000 voucher on the quarterly milestone International: None	Domestic: None listed on card page International: None listed on card page	Domestic: None (4 complimentary domestic lounge visits discontinued from 20 June 2025) International: None
Forex markup	3.5% of the amount	3.5% of the amount	3.5% of the amount	3.5% of the amount
Network	RuPay	Not stated by the bank	Visa, Mastercard	Not stated by the bank
Published minimum income	₹20,000 a month	₹25,000 a month	Stable income; SBI Card says the specific minimum varies by card and does not...	Not stated on the card page
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Is the HDFC MoneyBack+ annual fee waived?

Yes. HDFC's MITC waives the ₹500 renewal fee when you spend ₹50,000 in the year, about ₹4,167 a month. With 18% GST the fee is ₹590. The first-year fee is billed 120 days after the card is issued, and once paid it brings 500 welcome CashPoints, worth ₹100 as cashback. Add-on cards are free for life.

How much is a MoneyBack+ CashPoint worth?

20 paise as cashback against your statement since 1 November 2025, down from 25 paise, with a minimum redemption of ₹500 and a ₹50 plus GST fee each time. On SmartBuy flights, hotels and the rewards catalogue a CashPoint is worth 25 paise, usable for up to 50% of a booking, with a ₹99 plus GST fee per catalogue redemption.

What are the eligibility rules for HDFC MoneyBack+?

Salaried applicants must earn a gross monthly income of more than ₹20,000 and be between 21 and 60, although the product page says net monthly income, so counting take-home pay is safer. Self-employed applicants need an income tax return of more than ₹6 lakh a year and an age of 21 to 65. You need identity, address and income proof, and approval is HDFC Bank's decision.

Does MoneyBack+ give lounge access or low forex?

No. MoneyBack+ has no domestic or international lounge access, and a 3.5% markup plus GST applies to every foreign currency spend. Since 15 May 2026, rupee payments made abroad or to merchants registered overseas also attract a 1.75% dynamic currency conversion markup. It is a card for shopping at home rather than for travel.

What changed on MoneyBack+ recently?

From 15 May 2026 HDFC counts the base earn in ₹200 blocks instead of ₹150, so it is 2 CashPoints per ₹200. From 1 November 2025 the cashback value fell to 20 paise from 25 paise. Earlier, the 5X on merchant EMI ended on 1 September 2024, and a ₹50 fee on each cashback redemption began on 1 August 2024.

Do Amazon and Swiggy orders through SmartBuy earn 10X on MoneyBack+?

No. Transactions at the five 10X brands made through SmartBuy or PayZapp earn only the base rate, so pay on the brand's own app or website. EMI purchases are also left out of the 10X, and EasyEMI transactions earn nothing. HDFC caps the 10X at 2,500 CashPoints a calendar month across all five brands.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Terms & Conditions – HDFC Bank MoneyBack+ Credit Card; MoneyBack+ Credit Card Fees & Charges; MoneyBack+ Credit Card (product page); Updates on your credit card rewards, fees & charges (from 15th May 2026); RuPay Credit Card microsite (Wide Range of Rupay Credit Cards); MoneyBack+ Credit Card Eligibility; How to Get a Credit Card in 3 Easy Steps (HDFC Bank blog); Credit Card Customer Care Number & Support

Last verified: 5 November 2026

Written by Abhishek Kumar, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.