The HDFC Bank MoneyBack Credit Card is an excellent choice for individuals seeking a rewards-rich credit card with added benefits and financial flexibility. Its flexible reward program and comprehensive perks make it a valuable addition to your financial toolkit.
Reward Program: Earn 2 Reward Points (RPs) for every ₹150 spent (excluding fuel, wallet loads, prepaid card loads, and voucher purchases).
Online Shopping Benefit: Earn 4 RPs for every ₹150 spent on online purchases.
Quarterly Gift Vouchers: Receive ₹500 worth gift vouchers upon spending ₹50,000 in a calendar quarter (up to ₹2,000 annually).
Welcome Benefit: 500 CashPoints upon payment of the membership fee.
Annual Fee Waiver: Waiver of the renewal fee upon spending ₹50,000 or more in a year.
Fuel Surcharge Waiver: 1% waiver on fuel transactions (minimum ₹400, maximum ₹5,000 per transaction, up to ₹250 per statement cycle).
Interest-Free Credit Period: Up to 50 days on retail purchases.
Contactless Payments: Enabled for secure and swift transactions.
Zero Lost Card Liability: Report loss immediately to avoid fraudulent transactions.
HDFC MoneyBack Credit Card offers the following features and benefits:
2 RPs: For every ₹150 spent (excluding fuel, wallet loads, prepaid card loads, and voucher purchases).
4 RPs: For every ₹150 spent on online purchases.
Quarterly Gift Vouchers: Spend ₹50,000 in a calendar quarter to receive ₹500 worth gift vouchers (up to ₹2,000 annually).
500 CashPoints: Upon payment of the membership fee.
Annual Fee Waiver: Waiver of the renewal fee upon spending ₹50,000 or more in a year.
1% waiver: On fuel transactions (minimum ₹400, maximum ₹5,000 per transaction, up to ₹250 per statement cycle).
Convert big spends into easy EMIs with nominal interest rates.
Enabled for secure and swift transactions up to ₹5,000 per transaction.
Report loss immediately to avoid fraudulent transactions.
| Fee Type | Amount/Rate |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Interest-Free Period | Up to 50 days |
| Interest Rate (Revolving) | 3.49% per month |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher |
| Late Payment Fee | ₹100 to ₹1,300 (depending on outstanding amount) |
| Over Limit Fee | 2.5% of over limit amount, subject to a minimum of ₹550 |
| Reward Redemption Fee | ₹99 per redemption request |
| Foreign Currency Markup Fee | 3.5% on foreign currency transactions |
| EMI Conversion Fee | 1% of the EMI amount or ₹250, whichever is higher |
Salaried Individuals:
Age: 21 to 60 years
Minimum Monthly Income: ₹25,000
Self-Employed Individuals:
Age: 21 to 65 years
Minimum Annual Income: ₹6,00,000 (ITR)
Credit Score: A good credit score (750 or above) enhances approval chances.
If you want HDFC MoneyBack Credit Card apply online with the following documents:
Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
Address Proof: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Property Registration Document.
Income Proof:
Salaried: Latest salary slips (not older than 3 months), Form 16, or last 3 months’ bank statements.
Self-Employed: Last 2 years’ Income Tax Returns (ITR), Audited Financial Statements.
Photographs: 2 passport-sized colored photographs.
