Card Details
MoneyBack Plus Credit Card
Monzy Score
7.5/ 10
Very good for diners and foodies.
Strong ~5% back in its core category; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
HDFC Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Reward Points
Card Access
Standard
Earn Points
20 CashPoints/₹200
10X CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket
2 CashPoints/₹200
Other retail and SmartPay spends (exclusions apply)
Benefits
10X CashPoints on Amazon, Flipkart, Swiggy,…
- Accelerated rewards on popular household platforms
- 20 CashPoints per ₹200 (≈2.5% value) on partner brands
- Bonus CashPoints capped at 2,500 per month
- No rewards on fuel, wallets, rent, vouchers and select categories
₹500 fee with easy ₹50k spend waiver and…
- Low fee with achievable spend perks
- Joining/annual fee ₹500 + taxes
- Renewal fee waived by spending ₹50,000 in the anniversary year
- ₹500 gift voucher on each ₹50,000 quarterly spend (max ₹2,000/year)
Extra 10% off via Swiggy Dineout
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, wallet, emi, gift/voucher
Estimated Returns
10X CashPoints (Amazon, Flipkart, BigBasket, Reliance Smart, Swiggy)
20/150 cap 2500=625
₹625
UPI spends
2/200 cap 500=125
₹28
Base / all other spends
2/150
₹0
Total Annual Return
₹7,837
2.18% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“HDFC Moneyback Plus as a first credit card?”
by r/CreditCardsIndia, Jul 2025
“Finally got HDFC MoneyBack plus as LTF after 5 months, 8”
by r/CreditCardsIndia, Jan 2026
“Just got HDFC MoneyBack Plus credit card – confused”
by r/CreditCardsIndia, Jul 2025
“HDFC Money back+ Credit card”
by r/CreditCardsIndia, Sep 2025
“Got an offer to upgrade from HDFC MoneyBack Plus”
by r/CreditCardsIndia, Aug 2025
Frequently Asked Questions
The MoneyBack Plus Credit Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. HDFC Bank waives the renewal fee if you spend ₹50,000 in the previous year, which is about ₹4,167 a month. If your card spend sits below that, treat ₹500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
10X partner rewards capped at 2,500 CashPoints per calendar month; grocery CashPoints capped at 1,000 per month
UPI rewards available only on the RuPay variant and capped at 500 CashPoints monthly
No rewards on fuel, wallet reloads, prepaid/gift/voucher purchases, rent or Government transactions
