What is the MoneyBack+ Credit Card?

The MoneyBack+ Credit Card is a versatile card offered by HDFC Bank, providing a range of benefits such as reward points, EMI and a fuel surcharge waiver. This card combines the flexibility of EMI transactions with the added advantage of earning reward points on various expenditures which you can exchange for exciting rewards.

How much credit score is required to apply for the MoneyBack+ Credit Card?

To apply for the MoneyBack+ Credit Card, a healthy credit score is essential. While specific credit score requirements can vary, a score typically above 650 is recommended for a higher chance of approval. Maintaining a good credit score demonstrates financial responsibility and enhances the chances of a successful credit card application.

What is the credit limit of the MoneyBack+ Credit Card?

The credit limit for the MoneyBack+ Credit Card is determined by various factors, including the applicant's creditworthiness, financial history, and income. HDFC Bank assesses each application individually, tailoring the credit limit to align with the applicant's financial profile. Higher incomes and stronger credit histories generally result in more substantial credit limits.

How can you apply for the MoneyBack+ Credit Card?

You can apply for this card only by clicking here. Other than the official HDFC Bank website, you can also go to the nearest HDFC branch to find the online application form. Fill out the application form. Once submitted, the bank will review the application. Upon approval, the MoneyBack+ Credit Card will be issued.

RewardsEntryVisa

MoneyBack Plus Credit Card

Earn rewards with zero annual cost

Annual fee₹500Waived on ₹0.5L spend

Rewards0.89%1.33 CashPoint per ₹150

Forex markup3.5%3.5% on all foreign currency transactions

Apply Now Check Eligibility →

Secure · Free · No spam calls

Welcome benefits

500 Reward Points on paying Joining Membership fee

Type: Reward Points
Trigger: Joining Fee Payment

Rewards

Base earn rate

2 CashPoints on every ₹150 spent on other spends

CashPoints

• Unredeemed CashPoints will expire/ lapse after 2 years of accumulation
• Minimum redemption: 2000 points
• Redemption fee: ₹99

Milestone benefits

Gift Voucher worth ₹500 on spends of ₹50,000 per calendar quarter*. Note: Already Qualified for Milestone voucher: Click here to redeem. For Steps to redeem the Milestone voucher, Click here

Fees & charges

Joining fee: ₹500/- + Applicable Taxes
Annual / renewal fee: ₹500/- + Applicable Taxes
Annual fee waiver: Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Interest rate: Available at a nominate 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

Late payment

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300

Eligibility

Income (salaried): Salaried: Net Monthly Income > ₹20,000. Self-Employed: ITR > ₹6 Lakh per annum
Income (self-employed): ₹6L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Features

✓ Contactless

Additional features

Interest Free Credit Period: Up to 50 days
Contactless Payment enabled
Card Management via HDFC Bank MyCards
Credit Card Registration and Activation via MyCards
Set up Card PIN via MyCards
Manage Card Controls like Online Spends, Contactless Transactions
View Transactions / Download e-Statements
Check Reward Points
Block/ Re-Issue Your Card
Single Interface for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans
Spends tracking
View and redeem points at the push of a button

Card management via MyCards.

FAQs

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Outstanding amount

Late fee

Up to ₹100

Nil

₹101-500

₹100

₹501-1,000

₹500

₹1,001-5,000

₹600

₹5,001-10,000

₹750

₹10,001-25,000

₹900

₹25,001-50,000

₹1,100

More than ₹50,000

₹1,300

MoneyBack Plus Credit Card

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