HDFC MoneyBack+ Credit Card

• • Unredeemed reward points expire after 2 years of accumulation
• • Minimum redemption: 2500 points
• • Redemption fee: ₹99

On crossing spends of ₹50,000 every quarter, get a gift voucher worth ₹500. The spend milestone program is valid for retail transactions only. Cash transactions, Dial-An-EMI, Cash-on-Call, Balance Transfer, Personal Loan on Credit Card, etc., are not eligible. Transactions that are reversed or cancelled will not be considered. Returned purchases, disputed or unauthorised/fraudulent transactions, and Card Account Fees will not be considered for this offer. As per the current program, a customer can choose (any one per quarter) from e-vouchers of Pizza Hut, Book My Show, Big Bazaar, Bata, Levis, Woodland, Mainland China, and Myntra. The list of merchants can change without prior notice at the Bank's discretion. A customer will be eligible only once in a quarter at any given point in time. Even if a customer achieves higher spending during the period, the customer will receive the Rs ₹500 e-voucher only once. The bank will communicate offer eligibility to the eligible MoneyBack customers within the next calendar quarter. The communication will be completed within 90 days from the end of the quarter. The customer must claim the voucher (i.e., respond with the selected merchant name) within 60 days from the eligibility SMS/Mailer date. E-vouchers will be triggered immediately to the customers on receipt of the voucher choice. An e-voucher will be valid for 90 days from the date of issue.

Joining fee

₹500 plus applicable taxes

Annual / renewal fee

₹500 plus applicable taxes (2nd year onwards)

Annual fee waiver

Get ₹500 renewal fee waived on ₹50,000+ annual spends on your MoneyBack Card

Interest rate

Revolving Credit is available at a nominal interest rate (Check fees and charges section for more details)

Interest-free period

50 days

Cash advance fee

Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.

Overlimit fee

2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).

Payment dishonour

2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.

Forex markup

3.5% on all foreign currency transactions

DCC markup

3.50%

Reward redemption

₹99 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹250/cycle

Salaried: minimum ₹25,000/month income. Self-employed: ₹6,00,000/year ITR. Age 21–65. CIBIL 700+.

Card management via MyCards.

• Can a customer get the voucher if he is classified as delinquent?
• How can reward points be redeemed?
• Can a customer qualify for the offer multiple times in a Quarter?
• What happens if a MoneyBack Cardholder is getting Upgraded / Downgraded during the Quarter?
• What are the benefits of the HDFC Bank MoneyBack Credit Card?
• What are the e-vouchers that will be offered?
• How is the Quarter defined?
• How are reward points posted to your card account?
• What spends qualify for the offer?
• How will customers get to know if they have qualified under the Offer?
• For how many days is a customer eligible for the offer after receiving eligibility Email and SMS?
• What is the MoneyBack 2X feature?
• Can a customer opt for cash instead of an E-voucher?
• When will the E-voucher be dispatched to the customer?
• What is the Spend Milestone Offer?
• Is there any capping for reward points earned on the MoneyBack 2X Feature?
• Will customers get a reminder of eligibility mailer & SMS?
• How long is a voucher valid?
• How to apply for a MoneyBack Credit Card?
• If a customer holds multiple cards, can they club spend for offer eligibility?