Credit card

HDFC Bank MoneyBack+ Credit Card

Cash back

MASTERCARD

Apply for HDFC Bank MoneyBack+ Credit Card

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Credit card HDFC Bank Mastercard

Card review

HDFC Bank MoneyBack+ Credit Card

4.0 8.0/10 DebitCue Score Verified Jun 20, 2026

Entry-level everyday rewards card with 10x points on top online brands

Fee: ₹500 INR/yr (≈ $6); Waived on ₹50,000 annual spend
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

10x CashPoints (20 pts/₹200) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore (capped 2,500 pts/month); 2 CashPoints per ₹200 on other spends; 1 CashPoint = ₹0.25

Welcome offer

500 CashPoints on joining; 500 CashPoints on annual renewal

Our verdict

What stands out, and where it falls short.

What we like

10x CashPoints (20 pts/₹200) on Amazon, Flipkart, Swiggy, BigBasket,…
Welcome bonus
50-day interest-free period

Worth weighing

₹500 INR/yr (≈ $6) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HDFC Bank MoneyBack+ Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the ₹500 INR/yr (≈ $6) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹500 INR/yr (≈ $6)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.75% per month (45% p.a.)
Cash Advance Fee: 2.5% (min ₹500)

Rewards and features

Rewards: 10x CashPoints (20 pts/₹200) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore (capped 2,500 pts/month); 2 CashPoints per ₹200 on other spends; 1 CashPoint = ₹0.25
Welcome offer: 500 CashPoints on joining; 500 CashPoints on annual renewal
Pay with: Contactless
Accelerated Cap: 10x CashPoints capped at 2,500 CashPoints per month on partner brands

Benefits and perks

Extras that come bundled with the card.

₹500 gift voucher per quarter on ₹50,000 quarterly spend (max ₹2,000/year)

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹25,000/month

HDFC Bank MoneyBack+ Credit Card: your questions answered

How much does the HDFC Bank MoneyBack+ Credit Card cost?

The HDFC Bank MoneyBack+ Credit Card costs ₹500 INR/yr (≈ $6). Waived on ₹50,000 annual spend.

What rewards does the HDFC Bank MoneyBack+ Credit Card earn?

The HDFC Bank MoneyBack+ Credit Card earns 10x CashPoints (20 pts/₹200) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart SuperStore (capped 2,500 pts/month); 2 CashPoints per ₹200 on other spends; 1 CashPoint = ₹0.25.

Does the HDFC Bank MoneyBack+ Credit Card charge foreign transaction fees?

Yes - the HDFC Bank MoneyBack+ Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the HDFC Bank MoneyBack+ Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the HDFC Bank MoneyBack+ Credit Card?

The HDFC Bank MoneyBack+ Credit Card has a purchase APR of from 45%.

Does the HDFC Bank MoneyBack+ Credit Card have a welcome offer?

Yes - 500 CashPoints on joining; 500 CashPoints on annual renewal.

Is the HDFC Bank MoneyBack+ Credit Card a credit, debit or prepaid card?

The HDFC Bank MoneyBack+ Credit Card is a credit card issued by HDFC Bank on the Mastercard network.

Does the HDFC Bank MoneyBack+ Credit Card support Apple Pay and Google Pay?

The HDFC Bank MoneyBack+ Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank MoneyBack+ Credit Card?

The HDFC Bank MoneyBack+ Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank MoneyBack+ Credit Card?

DebitCue rates the HDFC Bank MoneyBack+ Credit Card 4.0 out of 5 (8.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.