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HDFC MoneyBack+ Credit Card
HDFC MoneyBack+ offers 2X reward points on online spends and 1X on all other purchases. Entry-level card with low annual fee, ideal for building credit history with everyday spend rewards.
Secure application on HDFC Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for HDFC MoneyBack+ Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
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Key Features
- Lifetime free — no annual fee
- 2X rewards on all online transactions
- Good starter card for building credit history
- Fuel surcharge waiver included
- Easy approval for entry-level salaried
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
HDFC MoneyBack+ Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹30,000 in the best category to earn rewards equal to the ₹500 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Lifetime free — no annual fee
- •2X rewards on all online transactions
- •Good starter card for building credit history
- •Fuel surcharge waiver included
- •Easy approval for entry-level salaried
Shopping
- •Cashback on Spends
- •Discount Vouchers
Pros
- Lifetime free — no annual fee
- 2X rewards on all online transactions
- Good starter card for building credit history
- Fuel surcharge waiver included
- Easy approval for entry-level salaried
Cons
- Base reward rate is low at 0.67%
- No airport lounge access
- Limited premium benefits
- Better cards available at same price point (IDFC FIRST)
Required Documents
Keep these documents ready before applying for HDFC MoneyBack+ Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹500 |
Annual Fee From second year onwards | ₹500 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Rating Distribution
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Ready to upgrade your wallet?
Apply for the HDFC MoneyBack+ Credit Card today and start earning rewards on every spend.
● Secure application on HDFC Bank's official site