HDFC Bank MoneyBack Plus Credit Card

  • Joining Fee: Rs. 500 (plus applicable taxes)
  • Renewal Fee: Rs. 500 (plus applicable taxes)
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 500 CashPoints
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The HDFC Bank MoneyBack Plus Credit Card can be regarded as a superior version of the HDFC MoneyBack Credit Card, that was issued earlier by the HDFC bank. Although both the MoneyBack cards come with a similar joining & annual fee (Rs. 500), the MoneyBack+ card provides a higher reward rate. With the MoneyBack Plus Card, for every spend of Rs. 150 you can earn up to 20 cash points. These CashPoints are redeemable against the card’s outstanding balance, product catalog, Airmiles, and several more options. Not only cashback, but you can also get gift vouchers that are worth up to Rs. 2,000 on reaching the stipulated spend milestones. Talking about the dining benefits that the card offers, you can enjoy a discount of up to 15% on dining across over 2,000 premium restaurants in the country. The HDFC MoneyBack Plus card allows its customers to save in a lot more ways, such as fuel surcharge waiver, spend-based annual fee waiver, etc. To understand the card’s features in detail, go through the complete HDFC MoneyBack Plus Credit Card Review given below:

New Features

Spend Based Waiver

Renewal fee waived off on spending Rs. 50,000 or more in the previous year

Interest Rates

3.6% per month (or 43.2% annually)

Add-on Card Fee


Rewards Redemption Fee

Rs. 99 per redemption request

Fuel Surcharge

1% fuel surcharge waiver applicable on all fuel transactions

Foreign Currency Markup

3.5 % of the transacted amount

Cash Advance Charges

2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Movie & Dining

Up to 15% off on dining at over 2,000 premium restaurants.



International Lounge Access


Rewards Rate

2 CashPoints for every Rs. 150 you spend on retail purchases, 5X CashPoints per EMI spends at select merchants, 10X CashPoints on partner brands.



Insurance Benefits


Reward Redemption

CashPoints redeemable for cashback, purchasing products, flight/hotel bookings via SmartBuy and partner airlines’ AirMiles

Domestic Lounge Access


Zero Liability Protection

No liability for the cardholder towards the transactions done on a lost/stolen card if the issue is reported to the bank in a timely manner.


No data available


No data available

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