Visaentry-level
HDFC Bank MoneyBack+ Credit Card
HDFC Bank
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Annual Fee
₹500
Cashback
Up to 3.33%
Lounge Visits
None
Min Income
₹2L/yr
Cashback Details
| Category | Cashback Rate | Details |
|---|---|---|
| Amazon, Flipkart, BigBasket, Swiggy, Reliance Smart SuperStore | 3.33% | 10X CashPoints (20 CashPoints per ₹150) on five major merchant categories |
| EMI transactions | 1.67% | 5X CashPoints (10 CashPoints per ₹150) on EMI spends |
Monthly cashback cap: ₹625
Fees
Joining Fee₹500
Annual Fee₹500(Waived on annual spends of ₹50,000 or more in the preceding year before renewal)
Fuel Surcharge
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Eligibility
Min Annual Income₹2,40,000
Age21 - 60 years
EmploymentSalaried & Self-employed
Key Features
- 10X CashPoints on Amazon, Flipkart, BigBasket, Swiggy and Reliance Smart SuperStore (3.33% effective cashback)
- 2 CashPoints per ₹150 on all other spends (0.33% base rate)
- ₹500 gift voucher on quarterly spend milestone of ₹50,000
- Annual fee waived on ₹50,000 annual spend; frequently issued lifetime free on pre-approved HDFC offers
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- RuPay variant offers additional UPI CashPoints (2 CashPoints per ₹150, capped at 500 CashPoints per month)
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