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HDFC MoneyBack Credit Card
HDFC Moneyback credit card, as the name suggests, is a card that helps you get your money back in the form of reward points on every small spend you m
Security
Advanced protection for all transactions
Instant
Immediate digital card access
Rs. 500 + GST
Joining Fee
Rs. 500 + GST
Renewal Fee
24/7
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Meet HDFC MoneyBack Credit Card
HDFC Moneyback credit card, as the name suggests, is a card that helps you get your money back in the form of reward points on every small spend you make. As a welcome and renewal benefit, you get 500 Cash points every year on payment of the joining/renewal fee. Besides that, you can also get the renewal fee waived on the basis of your annual spends. This card provides you with 4 reward points for every Rs. 150 spent online and 2 reward points for every Rs 150 spent on other categories. These reward points can be redeemed against an array of categories, including cashback, flight/hotel bookings on SmartBuy, and products/vouchers. Moreover, you can also earn gift vouchers every quarter on the basis of your quarterly spends. Read our HDFC Bank Moneyback credit card review to get detailed information about the card and its offerings. Although HDFC Bank is no longer issuing this card, you can opt for its newer and improved version, the MoneyBack Plus Credit Card.
HDFC MoneyBack Credit Card MEMBERSHIP
JOINING FEERs. 500 + GST
Detailed Card Information
Everything You Need to Know
Discover the comprehensive benefits and features that make HDFC MoneyBack Credit Card the perfect choice for those who demand excellence.
Spend- Based Waiver
The renewal fee is waived off on spending Rs. 50,000 or above in the previous year.
Rewards Redemption Fee
Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup
3.5% per currency conversion (plus applicable taxes)
Interest Rates
3.6% per month (43.2% per annum)
Fuel Surcharge
1% fuel surcharge waiver on all your fuel transactions using this credit card at all petrol pumps across India
Cash Advance Charges
2.5% of the withdrawal amount subject to a minimum charge of Rs 500
Movie & Dining
Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout
Rewards Rate
4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%.
Reward Redemption
1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25 for redemption through Smartbuy Rewards portal
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Welcome Benefit Offer
The HDFC MoneyBack credit card brings an enticing welcome offer for its new users. Upon choosing this credit card, you are immediately rewarded with 500 Cash Points. These points can be utilised for further purchases, making it a lucrative deal for those looking for immediate returns on their credit card investment. This welcome benefit serves as a great introductory reward, encouraging users to explore more of the card's benefits and features.
Reward Points on Online Spend
For every digital spender out there, the HDFC MoneyBack credit card has a special benefit for you. For every Rs 150 spent online, you earn 4 Reward Points. Moreover, for every other spend of Rs. 150, you receive 2 Reward Points. These points can be accumulated over time and can be redeemed later for exciting offers and rewards. This incentive not only encourages online shopping but also makes every spend a rewarding experience.
Quarterly Gift Voucher
The HDFC MoneyBack credit card understands the value of your spending and rewards you accordingly. For every spend of Rs 50,000 in a calendar quarter, you become eligible to receive a gift voucher worth Rs 500. This feature not only encourages prudent spending habits but also makes your high-value purchases more rewarding. The gift voucher can be used to offset your future purchases, making it an attractive benefit for regular card users.
SmartBuy Rewards Redemption
Your spending with the HDFC MoneyBack credit card can earn you exciting rewards on the SmartBuy rewards portal. The reward points that you accumulate through your purchases can be redeemed against a plethora of offers available on the portal. From travel bookings to shopping discounts, the rewards portal has a wide range of offers to choose from. This feature adds an element of excitement to your regular spending and lets you enjoy the benefits of your credit card to the fullest.
Annual Fee Waiver
The HDFC MoneyBack credit card offers a unique feature of a Spend Based Waiver on the Annual fee. This means that your annual fee could be waived off based on your spending behaviour. This feature encourages cardholders to make the most of their card, and in return, they can enjoy the benefit of no annual fee. This feature brings substantial savings for the cardholder and makes this card an economically viable option.
Fuel Surcharge Waiver
In today's times of rising fuel prices, the HDFC MoneyBack credit card brings a sigh of relief with its 1% fuel surcharge waiver up to Rs. 250 per month. This means that for every fuel purchase, you can save 1% of the cost, which can bring considerable savings over time. So, whether it's your daily commute or a long drive, your fuel costs are taken care of by your HDFC MoneyBack credit card.
Why Choose HDFC MoneyBack Credit Card
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Welcome Benefit Offer
The HDFC MoneyBack credit card brings an enticing welcome offer for its new users. Upon choosing this credit card, you are immediately rewarded with 500 Cash Points. These points can be utilised for further purchases, making it a lucrative deal for those looking for immediate returns on their credit card investment. This welcome benefit serves as a great introductory reward, encouraging users to explore more of the card's benefits and features.
Reward Points on Online Spend
For every digital spender out there, the HDFC MoneyBack credit card has a special benefit for you. For every Rs 150 spent online, you earn 4 Reward Points. Moreover, for every other spend of Rs. 150, you receive 2 Reward Points. These points can be accumulated over time and can be redeemed later for exciting offers and rewards. This incentive not only encourages online shopping but also makes every spend a rewarding experience.
Quarterly Gift Voucher
The HDFC MoneyBack credit card understands the value of your spending and rewards you accordingly. For every spend of Rs 50,000 in a calendar quarter, you become eligible to receive a gift voucher worth Rs 500. This feature not only encourages prudent spending habits but also makes your high-value purchases more rewarding. The gift voucher can be used to offset your future purchases, making it an attractive benefit for regular card users.
SmartBuy Rewards Redemption
Your spending with the HDFC MoneyBack credit card can earn you exciting rewards on the SmartBuy rewards portal. The reward points that you accumulate through your purchases can be redeemed against a plethora of offers available on the portal. From travel bookings to shopping discounts, the rewards portal has a wide range of offers to choose from. This feature adds an element of excitement to your regular spending and lets you enjoy the benefits of your credit card to the fullest.
Annual Fee Waiver
The HDFC MoneyBack credit card offers a unique feature of a Spend Based Waiver on the Annual fee. This means that your annual fee could be waived off based on your spending behaviour. This feature encourages cardholders to make the most of their card, and in return, they can enjoy the benefit of no annual fee. This feature brings substantial savings for the cardholder and makes this card an economically viable option.
Fuel Surcharge Waiver
In today's times of rising fuel prices, the HDFC MoneyBack credit card brings a sigh of relief with its 1% fuel surcharge waiver up to Rs. 250 per month. This means that for every fuel purchase, you can save 1% of the cost, which can bring considerable savings over time. So, whether it's your daily commute or a long drive, your fuel costs are taken care of by your HDFC MoneyBack credit card.
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