HDFC MoneyBack+ Credit Card
HDFC Bank · Cashback · Statement Credit
This comprehensive guide covers the HDFC MoneyBack+ Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC MoneyBack+ Credit Card from HDFC Bank offers cashback rewards credited directly to your statement at 5% (up to ₹250 per cycle). Top earning categories include 5% cashback on amazon and flipkart and more. Annual fee is ₹500 (waived on spends of rs. 50,000 per year).
Best for: Amazon, Flipkart · Online Retail, General Online, Electronics Accessories, Grocery
Top Merchants
Reward Examples
Spend ₹1,000 on Amazon → earn ₹50 (5%) · 5% cashback on Amazon and Flipkart
Spend ₹1,000 on General online → earn ₹10 (1%) · 1% cashback on all other spends
Official product page → Official rules →
Waiver: Waived on spends of Rs. 50,000 per year
Reward Rules
- 5% 5% cashback on Amazon and Flipkart (cap: ₹250)
- 1% 1% cashback on all other spends
Important Notes
- 5% cashback on Amazon and Flipkart capped at Rs. 250 per month.
- Fuel surcharge waiver at HPCL fuel stations.
- Annual fee of Rs. 500; waived on spends of Rs. 50,000 per year.
- Popular entry-level online shopping cashback card.
- Cashback credited as statement credit automatically.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC MoneyBack+ Credit Card vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the HDFC MoneyBack+ Credit Card for its bonus categories: Online Retail, General Online, Electronics Accessories, Grocery, Dining.