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faayda.com › cards › HDFC MoneyBack+ Credit Card
HDFC Bank · Mastercard / RuPay · हिन्दी

HDFC MoneyBack+ Credit Card: full review

The HDFC MoneyBack+ is the ideal entry-level card for shoppers who consolidate spending on Amazon, Flipkart and Swiggy. The 2.5% effective return on these platforms beats most cards at the ₹500 fee tier.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: October 2026 · Current terms verified
HDFC BANK
)))
MONEYBACK+
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹50,000/year spend)Annual fee
10X CashPoints (up to 2.5%) on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart; 2 CashPoints per ₹200 (about 0.25%) on other spends; 1 CashPoint = up to ₹0.25Reward structure
NoneLounge access

Key benefits of the HDFC MoneyBack+ Credit Card

10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart (capped 2,500 CP/month)2 CashPoints per ₹200 (about 0.25%) on all other spends1 CashPoint = up to ₹0.25 on the product catalogue or SmartBuy flights and hotels, ₹0.20 as cashbackFuel surcharge waiver 1% (max ₹250/month)Annual fee waived on ₹50,000/year spend
Apply now ↗ Min. income: ₹20,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ 2.5% effective return on top online platforms
✓ Low ₹500 fee easily waived
✓ Great entry-level card for Amazon/Flipkart/Swiggy users
✓ Straightforward CashPoints redemption
Cons
✗ Accelerated earn capped at 2,500 CashPoints/month
✗ No lounge access
✗ Low 0.25% base rate on non-partner spends
✗ No benefits on fuel, wallet loads, rent
Quick facts
Issuer HDFC Bank
Network Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's MoneyBack+ card page · Last checked October 2026
Recent updates

Corrected the base rate from HDFC Bank's card page: other spends earn 2 CashPoints per ₹200, worth up to ₹0.25 each, so about 0.25%, not 0.5%. The 10X rate of up to 2.5% on Amazon, Flipkart and Swiggy is unchanged.

Other spends0.5%0.25%

Corrected how we count grocery: the higher rate only applies to BigBasket and Reliance Smart, but our maths applied it to all grocery spend. This now earns the card's normal 0.5%; the higher rate is still listed in the card's rewards.

Grocery rate in our maths2.5% on all grocery0.5%
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Frequently asked questions
The annual fee for HDFC MoneyBack+ Credit Card is ₹500 + taxes (waived on ₹50,000/year spend). The joining fee is ₹500.
The main benefits of the HDFC MoneyBack+ Credit Card are: 10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart (capped 2,500 CP/month); 2 CashPoints per ₹200 (about 0.25%) on all other spends; 1 CashPoint = up to ₹0.25 on the product catalogue or SmartBuy flights and hotels, ₹0.20 as cashback; Fuel surcharge waiver 1% (max ₹250/month); Annual fee waived on ₹50,000/year spend.
10X CashPoints (up to 2.5%) on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart; 2 CashPoints per ₹200 (about 0.25%) on other spends; 1 CashPoint = up to ₹0.25
HDFC MoneyBack+ Credit Card is best for Online shopping and food delivery on a budget. The HDFC MoneyBack+ is the ideal entry-level card for shoppers who consolidate spending on Amazon, Flipkart and Swiggy. The 2.5% effective return on these platforms beats most cards at the ₹500 fee tier.
The minimum income requirement for HDFC MoneyBack+ Credit Card is ₹20,000/month (salaried). A minimum credit score of 700+ is also recommended.
HDFC MoneyBack+ Credit Card does not offer airport lounge access.
HDFC MoneyBack+ Credit Card charges a 2.5% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
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HDFC MoneyBack+₹500 + taxes
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