HDFC Bank MoneyBack Credit Card

HDFC MoneyBack Credit Card
HDFC MoneyBack Credit Card

Card Details

  • Earn 2 Reward Points on ₹150 spent on retail purchase.
  • Earn 2X reward points on online spends.
  • Redeem reward points as CashBack against outstanding amount on your Credit Card. 100 Reward Points are equal to ₹30.
  • Enjoy Zero Lost Card liability post reporting of the loss of card.
  • Save up to ₹1,800 every year on your fuel transactions.
  • Get first year fee reversed if you spend ₹10,000 in first 90 days of card set-up date and renewal fee reversed if you spend ₹50,000 in a year prior to renewal date.
  • Avail fuel surcharge waiver of 2.5% per statement cycle.

Pros & Cons

Zero liability on lost card
Reward points are valid for 2 years.
Annual fee waiver
Get a loan against your card
Lifetime free Add-on Cards
No reward point for transactions less than ₹150
No reward points on fuel transactions
Charge of ₹75 per reward redemption request
No less than 500 points can be redeemed

Fee Details

  • Annual Fee: ₹500
  • First Year Fee: ₹500
  • Add-on Card Fee: Upto 3 Cards lifetime fee
  • Grace Period: 20-50 days
  • Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
  • Cash Advance Fee: 2.5% or minimum ₹300 on each transactions
  • Late Payment Charges: Nil for less than ₹100; ₹100 for ₹101 to ₹500; ₹400 for ₹501 to ₹5000; ₹500 for ₹5001 to ₹10,000; ₹700 for ₹1,001 and above
  • Overlimit Charges: 2.5% of the overlimit amount, subject to min of ₹500
  • Min Repayment Amount: 5% of Total Outstanding, subject to min ₹200
  • Cash Advance Limit: 4% of the credit limit
  • Cash Processing Fee: ₹100
  • Reward Redemption Fee: ₹75 per redemption request
  • Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of ₹250
  • Convenience fee on fuel purchase: 1%
  • Card Replacement fee: ₹100
  • Foreign Currency Transactions: 3.5% of conversion mark-up fee

Reward Programme

  • 2 Reward Points (RP) on Rs 150 spent. 50% more reward points on dining spends. (50% more Reward Points are offered to the Cardholders only on those transactions which are classified under the ‘Restaurant’ Merchant Category Code (MCC) as defined by VISA/ MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.)

Reward Rate: Rs. 0.60 per Rs. 100 spend

Intro Offer

  • First year fee reversed if you spend ₹10,000 in first 90 days of card set-up date.

Bonus Offers

  • Renewal fee reversed if you spend ₹50,000 in a year prior to renewal date.


  • Age (Salaried): 21 years to 60 years.
  • Age (Self Employed): 21 years to 65 years

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