HDFC Bank MoneyBack+ Credit Card

HDFC Bank · Open to apply

HDFC's household-spends card: 20 CashPoints per ₹200 on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy (up to 2,500 a month) and 2 per ₹200 elsewhere, plus a ₹500 gift voucher on every ₹50,000 spent in a calendar quarter. A CashPoint is worth ₹0.20 against the statement, so the partner rate is about 2% and the base 0.2%. Fee ₹500, waived at ₹50,000 spend a year.

Annual fee
₹500 + GST a year
Joining fee
₹500 + GST
Fee waiver
Annual fee waived on ₹50,000 spend per card year
Base rate
2 CashPoints per ₹200 on other spends: 2 CashPoints per ₹200 (about 0.2% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
  • SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
  • 20 CashPoints per ₹200 on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy: 20 CashPoints per ₹200 (about 2% at cash value)

Earns nothing on

  • No CashPoints on fuel
  • No CashPoints on rent or government-related payments (from 1 January 2023)
  • No CashPoints on wallet, gift card or prepaid card loads or voucher purchases
  • No CashPoints on EMI (from 1 September 2024), including Smart EMI, Dial an EMI and pre-closed EMI
  • No CashPoints on online skill-based gaming (from 1 July 2025)
  • No CashPoints on education fees paid through third-party apps (from 1 September 2024)
  • No CashPoints on cash advances

Where the sources disagree

  • value of a CashPoint against the statement: The T&C (15 May 2026) and FAQ say 1 CashPoint = up to ₹0.25 against the statement and a minimum balance of 2,000 CashPoints. The MITC v4.15 (clause x, from 1 November 2025) and the product page's redemption table say ₹0.20 for CashBack and up to ₹0.25 for the catalogue and SmartBuy. ₹0.20 is used for the statement: on this point the MITC is the more specific document (an exact value for this card's statement redemption, with a start date, where the T&C gives one "up to" ceiling for every route), the product page's per-route table agrees, and an "up to" figure is recorded at what a normal redemption gets. Catalogue and SmartBuy keep ₹0.25.
  • monthly cap on CashBack redemption: The product page says CashPoint redemptions are capped at 3,000 a month from 1 February 2023. The T&C and the MITC (clause j, "50,000 for all other cards", 3,000 only for Millennia, Easy EMI Millennia, Bharat, Pharmeasy and Paytm) say 50,000. The T&C and MITC are used.
  • rounding unit in the FAQ: The FAQ (last changed 28 November 2025) still says 2 CashPoints per ₹150 and 20 per ₹150. The T&C published 15 May 2026 and HDFC's May 2026 notice say ₹200. The T&C is used and the ₹150 rates are kept as history.
  • RuPay variant: The T&C says RuPay cardholders earn 2 reward points per ₹200 on UPI spends, at most 500 a calendar month, excluding fuel and wallet, prepaid or voucher loads. HDFC's RuPay credit card page lists no MoneyBack+ RuPay card, so no RuPay variant or UPI earn rule is entered.
  • income test: The product page says net monthly income above ₹20,000 and the FAQ says gross.

Terms the calculator does not value

  • The ₹50 + GST fee on each statement-credit redemption (minimum ₹500) is counted once a year in the calculator; a cardholder redeeming every month pays about ₹600 a year before GST.
  • SmartBuy cashback applies only to purchases made through the SmartBuy portal and only if the calculator's portal option is on. MoneyBack+ is assumed to sit in the SmartBuy table's "Other credit card" column; the card's own T&C only says SmartBuy and PayZapp offers apply as per their terms. PayZapp offers are not entered.
  • CashPoints post in the first week of the month after settlement, not the month they are earned. 10X CashPoints need the merchant's terminal and merchant IDs to be set up, so some transactions at the five merchants may not qualify.

Sources

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