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MoneyBack Plus Credit Card credit card
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MoneyBack Plus Credit Card

Annual fee₹500Waived on ₹0.5L spend
Rewards2 CashPoints on every Rs. 150 spent on other spends
Forex markup3.5%3.5% on all foreign currency transactions
Apply NowCheck Eligibility →
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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

CategoryDetails
10X CashPoints (Upto 3.3% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket

Redemption options

Product catalogue:₹0.25 per pointTravel booking:₹0.25 per pointCashback:₹0.20 per pointAirmiles:Airmiles - 0.25 airmiles
  • • Unredeemed CashPoints will expire/ lapse after 2 years of accumulation
  • • Minimum redemption: 2000 points
  • • Redemption fee: ₹99

Milestone benefits

  • Gift Voucher worth ₹500

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 amountLate fee
₹0 – ₹100₹0
₹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
Above ₹50,001₹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.

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