HDFC Bank
HDFC MoneyBack Plus Credit Card
Annual Fee
₹590₹500 + GSTBase 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
dining
Up to ₹200 off
10X
Fee Waiver
Waived on ₹50,000 annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
10X CashPoints on Amazon + BigBasket + Flipkart + Reliance Smart + Swiggy
BigBasket
10X CashPoints on Amazon + BigBasket + Flipkart + Reliance Smart + Swiggy
Flipkart
10X CashPoints on Amazon + BigBasket + Flipkart + Reliance Smart + Swiggy
Reliance Smart
10X CashPoints on Amazon + BigBasket + Flipkart + Reliance Smart + Swiggy
Swiggy
10X CashPoints on Amazon + BigBasket + Flipkart + Reliance Smart + Swiggy
Reward Calculator
Earns ₹1,010/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
6.4K
HDFC CashPoints
₹1.6K
via statement credit · ₹0.25/pt
Effective rate
1.03%
Annual fee
₹590
Year 1 net
+₹1,010
Year 2+ net
+₹1,010
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Fuel surcharge waiver (good news)
1%on ₹400–₹5,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.2L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹50,000 annual spend