HDFC Bank MoneyBack+ Credit Card
A CashPoints card: 20 points per ₹200 at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart SuperStore (up to 2,500 points a month), 2 per ₹200 elsewhere; points are worth ₹0.20 as statement credit; ₹500 fee waived on ₹50,000 of spend. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | On ₹50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| Reward redemption fee | ₹50 plus GST Terms |
Rewards
Reward points, ₹0.20 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| 10X at Amazon, Flipkart and Swiggy (also BigBasket and Reliance Smart SuperStore) | 20 points per ₹200 Terms | up to 2,500 points a month Terms |
| UPI on the RuPay variant | 2 points per ₹200 Terms | up to 500 points a month Terms |
| Grocery | 2 points per ₹200 Terms | up to 1,000 points a month Terms |
| Other spends | 2 points per ₹200 Terms | no cap on record |
CashPoints accrue on multiples of ₹200 (from 15 May 2026), up to 15,000 a statement cycle.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 500 CashPoints if the joining fee is paid (500 more on each renewal fee paid) Terms
- Milestone: ₹500 gift voucher each calendar quarter with ₹50,000 of spend Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 10X CashPoints (20 per ₹200) also at BigBasket and Reliance Smart SuperStore Terms
- Extra 10% off on Swiggy Dineout with code HDFCCARDS Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: net monthly income above ₹20,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- the foreign-currency markup (the MITC fee table does not tie a figure to this card in quotable text)
- whether a Visa or Mastercard variant is offered besides RuPay
Where HDFC Bank’s documents differ, and what is used
- Point value: the card terms (15 May 2026) say 1 CashPoint = "upto 0.25" against the statement; the product page redemption table and the MITC (20 paise per point from 1 Nov 2025) give ₹0.20, which is used.
The quotes behind the figures
30 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining/Renewal Membership Fee - ₹500/- + Applicable Taxes”
“Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off”
“CashBack ₹ 0.2”
“Earn 10X CashPoints* i.e., 20 CashPoints per 200 spent on -- Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy”
“The Cardholder can earn up to 2,500 CashPoints under the 10X CashPoints feature in a calendar month”
“10X CashPoints(Upto 2.5% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket”
“For Rupay Credit Cardholders, all UPI spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases ) will earn 2 RPs for every Rs.200 spent and is capped at 500 reward points in a calendar month”
“Earn 2 CashPoints per 200 spent on other spends**”
“With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points.”
“2 CashPoints per ₹200 spent on other spends”
“Minimum transaction of 200 and multiples of 200 is considered for CashPoints posting”
“**Except Fuel, EMI, Rent payments, Govt related transactions and Wallet/ Gift /Prepaid Card loads & Voucher Purchase transactions.”
“Effective 1st September 2024, Education payments made through third-party apps will NOT earn Reward Points.”
“Joining/Renewal: ₹500 plus applicable taxes.”
“The maximum reward points that can be earned in a statement cycle is 15,000.”
“Earlier, Reward Points were accrued on spends in multiples of 150. This will now be revised to multiples of 200 for your credit card across eligible categories.”
“20 paise per point for Money Back Plus, Biz Grow, Micro Enterprise Card ,GIGA cards”
“The redemption against the statement balance will be at the rate of 1 CashPoint =upto 0.25”
“The minimum CashPoints balance required for redemption against the statement balance is 2,000 CashPoints or equivalent of 500”
“Effective 1st August 2024, if you redeem your rewards towards statement credit (CashBack), a 50 redemption fee will be charged.”
“1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)”
“Welcome Benefit of 500 CashPoints will be given to the cardholder if the joining membership fee is paid”
“Gift Voucher worth ₹500 on spends of ₹50,000 per calendar quarter*”
“10%* additional discount on Swiggy Dineout using coupon code HDFCCARDS TnC”
“Age: Minimum 21 years & Maximum 60 years”
“Age : Minimum 21 years & Maximum 65 years”
“Nationality: Indian”
“Income: Net Monthly Income > ₹20,000”
“Income : ITR > ₹6 Lakh per annum”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology