HDFC Bank MoneyBack+ Credit Card
HDFC Bank · Points/miles card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST — waived at ₹50,000/yr spend |
| Welcome benefit | ~₹125 value |
| Airport lounges | None |
| No rewards on | fuel, rent, wallet, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10X CashPoints on Amazon/Flipkart/Swiggy/Reliance/BigBasket | 2.5% | ₹625 | amazon, flipkart, swiggy, reliance-digital, bigbasket |
| Base CashPoints (2 per Rs.200) | 0.25% | Uncapped | all eligible spend |
Milestones
Quarterly gift voucher: ₹2,000 at ₹2,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
10X (up to ~2.5% value) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket, capped 2,500 CashPoints (~Rs.625)/month.
Welcome: 500 CashPoints after joining-fee payment.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the HDFC Bank MoneyBack+ Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST), waived on spending ₹50,000 a year.
What is the highest reward rate on the HDFC Bank MoneyBack+ Credit Card?
2.5% — 10X CashPoints on Amazon/Flipkart/Swiggy/Reliance/BigBasket. Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank MoneyBack+ Credit Card give airport lounge access?
No, the HDFC Bank MoneyBack+ Credit Card does not include airport lounge access.