HDFC MoneyBack Plus Credit Card

The HDFC MoneyBack+ Credit Card is a rewards credit card that provides benefits in a variety of categories.

You can earn extra CashPoints with this card when you shop at Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart. You could easily apply for this credit card if you want an entry-level card with decent rewards.

HDFC MoneyBack Plus Credit Card.png

Image Source: HDFC Official website

Highlights of the HDFC Bank Moneyback Plus credit card

Suitability

Entry Level Rewards Card

Joining Fee

Rs. 500

Requirements

Salaried: Rs. 25,000 p.m.

Self-employed: ITR> Rs. 6 lakh p.a.

HDFC Moneyback Plus Credit Card Benefits and Features

HDFC Moneyback plus credit card reward points-

  • Upon activation of the card, cardholders will receive 500 CashPoints. It is regarded as a welcome gift.
  • When you make Equated Monthly Installments (EMI) payments to certain merchant stores, you will receive 5x CashPoints.
  • The card offers a zero lost card liability benefit, which indicates that if cardholders lose their card, they are not liable for any type of fraud, but they must notify HDFC Bank Credit Card customer service.
  • The renewal membership cost will be waived if a cardholder spends at least Rs.50,000 per year.
  • Except for wallet reloads, fuel purchases, voucher purchases, and prepaid card reloads, earn two CashPoints for every Rs.150 spent with the HDFC MoneyBack+ credit card.
  • Cardholders who spend more than Rs.50,000 in a year will receive an Rs.500 gift voucher.
  • Receive a 1% fuel surcharge waiver.
  • HDFC MoneyBack+ Credit Card provides 10x CashPoints on purchases made at Reliance Smart Store, Flipkart, Swiggy, Amazon, and Big Basket.
  • Receive up to a 15% discount on dining at over 2,000 select restaurants across the country.
  • The annual fee for HDFC MoneyBack+ credit cardholders will be eliminated if their annual expenditure exceeds Rs.50,000.
  • The card also enables customers to convert one-time payments into low-interest EMIs on large purchases.

HDFC Moneyback Plus Credit Card Charges and Fees

Joining Charges

Rs. 500

Interest Rate

3.6% per month

Annual Fee

Rs. 500

Late Payment charges

  • Less than Rs. 100: Nil
  • Rs. 100 - Rs. 500: Rs. 100
  • Rs. 501 - Rs. 5,000: Rs. 500
  • Rs. 5,001 - Rs. 10,000: Rs. 600
  • Rs. 10,001 - Rs. 25,000: Rs. 800
  • Rs. 25,001 - Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300 

Eligibility to Apply for the About the HDFC Moneyback Plus Card

HDFC's qualifying requirements for judging candidates for the HDFC Money-Back plus Credit Card are as follows-

Salaried

The minimum Age is 21 years, and the Maximum Age limit is 60 years.

INR 20000 per month for Salaried Individuals.

Self-Employed

The minimum Age is 21 years, and the Maximum Age limit is 65 years.

An ITR of INR 6 Lacs or above for self-employed individuals.

Documents Required

The following documents will be required to apply for this credit card:

  • ID proof includes a copy of your passport, PAN card, UID, driving license, and voter ID card.
  • Income documentation- most recent income tax return documents/form 16/salary slip (for those who are employed in government offices of PSUs).
  • Address proof includes a copy of a passport, a fixed line bill, an electricity bill, a UID, and a PSU bank passbook.
  • Photos that have been colored.
  • A copy of your PAN card.
  • Bank Statement for the previous three months.
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How to Apply for the HDFC Moneyback Plus Credit Card?

You can apply for an HDFC MoneyBack plus Credit card online by visiting the HDFC Bank website or by visiting your local HDFC branch and submitting the application and necessary papers.

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