HDFC MoneyBack Credit Card

  • HDFC MoneyBack Credit Card offers exciting cashback on spends
  • Provides reward points on every transaction, with a higher benefit on online expense
  • Earn up to Rs 2000 worth of Gift vouchers from top brands every year. On spending Rs 50,000 in a calendar quarter, get a gift voucher worth Rs 500

HDFC MoneyBack is a popular entry-level credit card in India that provides cashback on all transactions. This is an excellent choice if you frequently shop online because it offers larger benefits on online purchases.

If you are new to credit and want to get started, you can apply for this credit card. In comparison to the annual cost, the perks provided by this credit card are fairly excellent. Here is more information on the HDFC MoneyBack Credit Card to help you decide whether it is a suitable fit for you.

Key Highlights

HDFC MoneyBack Credit Card

MoneyBack.png

Image Source: HDFC Official Website

Suitability

Cashback and Rewards

Offers

  • Earn 2 Reward Points on every Rs 150 spent (Excluding fuel transactions, wallet loads/prepaid card loads & voucher purchases)
  • Earn 2X Reward Points, i.e. 4 Reward Points on every Rs. 150 spent online
  • Every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000. Earn up to Rs. 2,000 worth of gift vouchers in a year.

Renewal and Membership Fee

Rs 500 + taxes

Features and Benefits of HDFC Moneyback Credit Card

Here are the significant benefits of this card-

Welcome Benefit

500 Cash Points (applicable only on payment of membership fee)

Annual Spend based benefit

Spend Rs 50,000 and above in each calendar quarter and get Rs 500 worth of gift vouchers

Renewal Offer

Spend Rs 50,000 and above in the first year and get the renewal membership fee waived off

Fuel Surcharge

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of Rs 400, Maximum transaction of Rs 5,000 & Maximum waiver of Rs 250 per statement cycle)

Charges and Fees of HDFC Moneyback Credit Card

The following fees and charges are linked to this credit card:

Fee and Charges

Amount

Joining Fees

Rs. 500

Interest Rate

3.6% p.m.

Annual Fee

Rs. 500

Late Payment Fee

Outstanding Balance

Late Payment Charges (Excl. GST)

Less than Rs 100

Nil

Rs 100 to Rs 500

Rs 100

Rs 501 to Rs 5,000

Rs 500

Rs 5,001 to Rs 10,000

Rs 600

Rs 10,001 to Rs 25,000

Rs 800

Rs 25,001 to Rs 50,000

Rs 1100

More than Rs 50,000

Rs 1300

Eligibility Criteria to Apply for Moneyback Credit Card

The eligibility criteria are mentioned below in the table:

Particulars

Age

Income

Salaried

21 Years - 60 Years

Rs 25,000 per month

Self-employed

21 Years - 65 Years

Rs 6 Lacs per annum

The candidate must have a strong credit history and a consistent source of income.

Documents Required

The documentation needed for an HDFC MoneyBack card is straightforward. You will need the following items-

  • At least two pictures and national identity cards with signatures are required.
  • Evidence of address, such as a ration card or an electricity bill, can be submitted.
  • PAN card, Form 16, and IT return are all required.

Application Process for HDFC Moneyback Credit Card

You can apply for this Credit Card directly on the HDFC MoneyBack Credit Card Page.

To apply immediately, follow these steps:

Step 1: Go to the top of the page and look for the 'Check Eligibility' button.

Step 2: Click on it and fill out the form to see if you are eligible for the card.

Step 3: If you are eligible, you will be able to apply for the card.

Step 4: Click on it, enter the necessary information and documents, and then press the 'Submit' button.

Step 5: You will receive an acknowledgement message with the application ID after successfully submitting the needed documents and details. Later on, you can use the same method to track the status of the credit card application.

Similar Cards

If you're seeking additional credit cards with features comparable to MoneyBack, check out the cards listed in the table below:-

Credit Card Name

Features

HSBC Smart Value Credit Card

3X reward points on internet, dining, and telecommunications purchases

SBI SimplyClick

10X reward points on online partner purchases (Amazon, BookMyShow, Lenskart, Apollo 24X7, Netmeds, Cleartrip, and Eazydiner)

Standard Chartered Platinum Rewards

Every Rs. 150 spent on eating and petrol earns you five reward points.

ICICI Bank Coral Contactless

Every Rs. 100 spent earns you 2 PAYBACK points.

Other HDFC Bank Credit Cards

HDFC Regalia Credit Card

IndianOil HDFC Bank Credit Card

HDFC Millennia Credit Card

HDFC MoneyBack Plus Credit Card

HDFC MoneyBack Credit Card

HDFC INFINIA Metal Edition Credit Card

HDFC Freedom Credit Card

HDFC Diners Club Black Credit Card

6E Rewards - IndiGo HDFC Bank Credit Card

HDFC Business MoneyBack Credit Card

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