HDFC MoneyBack+
by HDFC Bank · Data verified 2 days ago
Zero annual fee cashback card with 2% cashback on all spends
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10X CashPoints (~3.33% valueback) on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart
- 500 CashPoints welcome gift on fee payment
- ₹500 quarterly voucher on ₹50,000 retail spend (up to ₹2,000 vouchers per year)
- Low annual spend waiver threshold of just ₹50,000/year
- 1% fuel surcharge waiver at all fuel stations nationwide (up to ₹250/month)
Things to Consider
- 10X accelerated CashPoints capped at 2,500 points per calendar month
- Low base reward rate of 2 CashPoints per ₹150 (~0.33% return) on general spends
- No complimentary airport or railway lounge access
- Standard foreign currency transaction markup of 3.50% + GST
- ₹99 + GST fee per reward redemption request
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Online Shopping (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart) BONUS | 3.33% | 10X CashPoints (20 CashPoints per \u20b9150, capped at 2,500 CashPoints/month) (Cap: 2,500/mo) |
| Other | 0.33% | 2 CashPoints per \u20b9150 on all other retail spends |
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •2% cashback on purchases
- •2X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •1% fuel surcharge waiver
- •International usage enabled
Special Offers & Features
- •2% cashback on online spends
- •1% cashback on offline spends
- •Rs.1,000 cashback cap per month
- •1% fuel surcharge waiver
- •EMI conversion on purchases above Rs.2,500
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure options: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a. depending on tenure
- •No-cost EMI available at select partner merchants via SmartBuy
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to HDFC Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on HDFC MoneyBack+
MakeMyTrip
Travel across India with flat 12% instant discount up to ₹2,000 on MakeMyTrip using your HDFC Bank Credit Card.Book domestic air tickets on all major domestic carriers with coupon HDFCDOM for upfront savings.
Step 2: Choose eligible domestic flights with booking value of ₹5,000 or more.
Step 3: Enter coupon code HDFCDOM on the payment page.
Step 4: Pay using any HDFC Bank Credit Card to get an instant discount up to ₹2,000.
Valid on domestic flight bookings across India. Minimum booking value of ₹5,000 is required. Maximum discount is ₹2,000 per booking. Valid once per cardholder per calendar month. Excludes commercial and corporate cards.
Apple
Get up to ₹10,000 instant cashback on your dream Apple devices including iPhone 16 series, MacBook Air, and iPad with HDFC Bank Credit Cards.Available both online at apple.com/in and across all Apple Authorized Resellers across India.
Step 2: Choose an eligible iPhone 16 series, MacBook Air/Pro, or iPad.
Step 3: At checkout, select HDFC Bank Credit Card Instant Cashback offer.
Step 4: Select Full Swipe or 6/12/24 month No-Cost EMI to trigger up to ₹10,000 instant cashback.
Valid on select Apple models. Applicable on 6, 9, 12, 18, 24 months EMI and full-swipe credit card transactions. Valid once per card during promotional tenure. Instant cashback is credited on the invoice value.
Swiggy
Enjoy flat ₹100 off on every food delivery order above ₹499 on Swiggy using your HDFC Bank Credit Card.Use code HDFCFD100 to enjoy dining savings across thousands of restaurants.
Step 2: Add delicious meals worth ₹499 or more to your cart.
Step 3: Enter promo code HDFCFD100 on the payment screen.
Step 4: Pay with any HDFC Bank Credit Card to get an instant ₹100 deduction.
Valid twice per user per calendar month. Applicable on food delivery orders only. Minimum order value of ₹499 is required.
Cleartrip
Book luxury hotel stays and weekend getaways on Cleartrip with flat 25% instant discount up to ₹3,500 using your HDFC Bank Credit Card.
Step 2: Select eligible domestic hotels and rooms with booking value of ₹4,000+.
Step 3: Enter promo code CTHDFC at checkout.
Step 4: Pay with your HDFC Bank Credit Card to get an instant 25% discount up to ₹3,500.
Valid once per card per month. Applicable on domestic hotel bookings across India. Minimum spend ₹4,000.
Reliance Digital
Shop the latest consumer electronics and smart home appliances at Reliance Digital with flat 7.5% instant discount up to ₹4,000 on your HDFC Bank Credit Card.
Step 2: Select eligible laptops, smartphones, or home appliances worth ₹15,000+.
Step 3: Choose HDFC Bank Credit Card offer at checkout.
Step 4: Instant discount up to ₹4,000 is deducted from the final invoice.
Valid on select electronics. Applicable on full-swipe and EMI transactions. Maximum discount ₹4,000 per card per month.
BookMyShow
Enjoy up to ₹250 off on movie and experience bookings on BookMyShow using your eligible HDFC Bank Credit Card.
Step 2: Proceed to payment page and click 'Unlock Offer or Apply Promocodes'.
Step 3: Select HDFC Bank Credit Card offer and enter card details to get up to ₹250 instant discount.
Valid on minimum booking of 2 tickets. Applicable on select HDFC Bank Credit Cards. Limit once per cardholder per calendar month.
Swiggy Dineout
Save 10% up to ₹500 on restaurant bills via Swiggy Dineout using HDFC Bank Credit Cards (codes: HDFCINFINIA up to ₹500, HDFCDINERS up to ₹400, HDFCCARDS up to ₹200; valid twice per month through 31st December 2026).
Step 2: Enter promo code HDFCCARDS (or HDFCINFINIA for Infinia / HDFCDINERS for Diners Black) at payment checkout.
Step 3: Pay using your eligible HDFC Bank Credit Card to get up to 10% instant discount.
Official HDFC Bank Swiggy Dineout offer (valid 1st Jan 2026 to 31st Dec 2026, twice per month per user): 10% off up to ₹500 on Infinia (code HDFCINFINIA, MOV ₹3,500), 10% off up to ₹400 on Diners Club Black/BizBlack (code HDFCDINERS, MOV ₹3,000), and 10% off up to ₹200 on other eligible HDFC Credit Cards (code HDFCCARDS, MOV ₹2,000).
Croma
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma with HDFC Bank Credit Cards & EasyEMI on Debit/Credit Cards (valid 18th September 2026 to 31st December 2026).
Step 2: Ensure cart total is ₹20,000 or more.
Step 3: Pay using any HDFC Bank Credit Card or EasyEMI to receive instant discount.
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma stores and Croma.com with HDFC Bank Credit Cards & EasyEMI on HDFC Bank Debit/Credit Cards (valid 18th September 2026 to 31st December 2026; excludes co-branded cards).
Frequently Asked Questions
Everything you need to know about HDFC MoneyBack+
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹50,000/month min
- • CIBIL: 700+ recommended
- • Instant: Pre-approved HDFC Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for HDFC MoneyBack+ today and unlock amazing rewards and premium experiences.
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