HDFC Bank
HDFC MoneyBack Plus Credit Card
Annual Fee
₹500
Base Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
500 CashPoints
Product Highlights
- 10X CashPoints on partner brands including Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart Store
- Gift vouchers worth up to ₹2,000 on achieving spending milestones
- Renewal fee waiver on ₹50,000 annual spend
Category Rewards
shopping
10X CashPoints
10X CashPoints
dining
Up to ₹200 off
Up to ₹200 off
Fee Waiver
Waived on ₹50,000 annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
online(2,500 CashPoints/month)
Flipkart
online(2,500 CashPoints/month)
Swiggy
online(2,500 CashPoints/month)
BigBasket
online(2,500 CashPoints/month)
Reliance Smart SuperStore
online(2,500 CashPoints/month)
Rewards Details
10X CashPoints on ₹150 spent at Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore. 2 CashPoints on every ₹150 spent on other retail purchases.
- 1 Cash Point = ₹0.25 against statement balance, flight/hotel bookings, or product catalog.
Benefits & Features
Domestic: N/A International: N/A
Pros & Cons
Pros
- High 10X CashPoints on partner brands
- Gift vouchers on achieving spending milestones
- Renewal fee waiver on ₹50,000 spend
Cons
- Low 2 CashPoints on non-partner merchants
- No complimentary lounge access
Additional Info
Important: CashPoints expire after 2 years from earning date
Card variant available in both Visa and RuPay; RuPay variant can link to UPI
Hidden benefit: Earn 2 Reward Points/₹150 on UPI spends, capped at 500 Reward Points each month
Max 2,500 CashPoints at 10X rate per month
Excluded Categories
Partner Merchants
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.2L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹50,000 annual spend