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  • HDFC Bank MoneyBack Credit Card

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  • Save while you spend with the HDFC MoneyBack Credit Card. This cashback credit card comes with a joining fee (first-year fee) of Rs.500. This amount is waived if you have a savings account or current account with HDFC or if you decide to open one within 3 months of your card being approved. From the second year onwards, the annual fee on your card is Rs.500. This amount will be waived only if you spend a minimum of Rs.50,000 during the year or if you open either a savings account or a current account of the same amount. The interest rate payable on this card is 40.8% p.a.
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  • We found 1 HDFC Bank MoneyBack Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details

    Key Highlights of HDFC Bank MoneyBack Credit Car

    • A Cash back credit card with minimal annual fee.
    • Joining fee and annual fee waiver when applied through BankBazaar (T&C apply).
    • Accelerated reward points on online purchases.
    • Reward points redemption for cash against card outstanding.

    Cashback Benefits Offered by HDFC MoneyBack Credit Card

    • 2 reward points on retail spends. 2 times more points on online spends.
    • Redeem reward points for cash (100 reward points = Rs.20).

    Offers on BankBazaar 

    If you apply for the HDFC MoneyBack Credit Card through BankBazaar, you can enjoy –  

    • Joining fee waiver by opening an HDFC saving or current account within 3 months of card issuance.
    • Renewal fee waiver if the annual spends exceed Rs.50,000.
    • You can also enjoy 100% paperless approval. You don’t have to submit any hard copies of the documents required for approval.

    Features and Benefits

    Welcome gift: Apply for the MoneyBack credit card and earn 500 reward points as joining bonus. If you renew your card, you will get 500 more reward points.  

    Reward points program 

    • Earn 2 reward points on every Rs.150 spent on the card.
    • 2X more reward points on online spends.
    • Redeem earned reward points for cash back against the card outstanding (100 reward points = Rs.20).
    • Also redeemable for air miles and gifts from exclusive rewards catalogue.
    • Minimum 2,500 points are required for redemption. The accrued points are valid for 2 years from the date of accumulation.

    Milestone rewards: Spend Rs.50,000 or more on retail purchases in a quarter and get an e-voucher worth Rs.500. The voucher has a validity of 60 days.  

    Special benefits: By conducting a minimum of 4 transactions every month, you will get: 

    • Complimentary accidental death insurance worth Rs.50 lakh
    • Complimentary protection for goods worth above Rs.5000 purchased through the credit card.The offer covers damage or loss caused to the goods due to fire and burglary for 180 days from the date of purchase.

    Save on fuel purchases: With the fuel surcharge waiver facility, you can save up to Rs.1,800 every year on your fuel purchases at stations across India. Offer valid on minimum transaction value of Rs.400. 

    Zero liability on lost card: After reporting the loss of your credit card, you have zero liability on any fraudulent transactions made using your card.  

    Fees & Charges 

    Type of fee/charge Amount
    Joining fee Rs.500
    Annual fee Rs.500
    Interest rate  3.49% per month
    Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
    Cash advance limit 40% of the credit limit
    Rewards redemption fee Rs.99 per request
    Late payment charges
    • Less than Rs.100 – None
    •  
    • Rs.100 to Rs.500 – Rs.100
    • Rs.501 to Rs.5,000 – Rs.400
    •  
    • Rs.5,001 to Rs.10,000 – Rs.500
    •  
    • Rs.10,001 and above – Rs.750
     
    Over limit charges 2.5% of the over-limit amount (minimum Rs.500)
    Payment return charges 2% of payment amount (minimum Rs.450)
    Cash processing fee Rs.100
    Reissue of lost, stolen or damaged card Rs.100
    Foreign currency transaction fee 3.5%
    Outstation cheque processing charge Cheque value of up to Rs.5,000 – Rs.25 Cheque value of more than Rs.5,000 – Rs.50

    Eligibility Criteria

    • Applicant should be either self-employed or salaried.
    • For salaried the age range is 21 to 60 years.
    • For self-employed, it is 21 to 65 years.
    • The applicant should have a good credit history and a stable flow of income.

    Documents Required

    The exact documentation to apply for the MoneyBack credit card is not available on the official website. 

    Listed below are the basic documents required to process any credit card application.

    • KYC documents
    • PAN card
    • Income proof such as salary slip or income tax returns
    • Bank statements and others.

    How to Apply for HDFC MoneyBack Credit Card online?

    You can apply for HDFC MoneyBack Credit Card directly from HDFC official website.  

    Alternatively, you can also apply on BankBazaar, from the same page you’re on, to enjoy the exclusive partner offers.  

    Follow the steps to apply now –  

    • Navigate to the top of the page to find ‘Check Eligibility’ button.
    • Click on it, fill the required details to know your eligibility for the card.
    • If you’re eligible, you will find an option to apply for the card.
    • Click on it, submit the required details and documents and press ‘Submit’

    On successful submission of required documents and details, you will receive an acknowledgement message carrying the application ID. You can use the same to track your credit card application status in the later stage.  

    FAQ's

    What is the credit limit of HDFC MoneyBack Credit Card?

    HDFC MoneyBack Credit Card does not come with a pre-set limit. The limit varies for each applicant and is allotted based on his/her income range and credit score.However, the maximum credit limit you can expect on the MoneyBack Credit Card is Rs.1.5 to Rs.2 lakh while the minimum would be Rs.25,000. Once you apply and receive the card, the bank will communicate the credit limit at the time of card disbursal

    Can we take money from HDFC MoneyBack Credit Card to PayZapp without any charges?

    Yes, you can simply, link your HDFC MoneyBack Credit Card to your PayZapp account to access your card. Once the card is linked, you can either add money to the PayZapp account or directly make the payments by selecting the MoneyBack Credit Card at the time of payment. None of the above-mentioned transactions are chargeable.

    What are the cons of HDFC MoneyBack Credit Card?

    As the MoneyBack card belongs to the cash back category, the card provides decent money back offers for the price. However, some of the drawbacks of the card include less number of regular reward points as well as accelerated reward points, the requirement of a high number of points for redemption, no lifestyle benefits such as travel, dining, etc.

    How can I redeem my reward points on HDFC MoneyBack card for cash?

    Reward points on the MoneyBack credit card can be redeemed as cash, gifts and air miles. If you wish to redeem them for cash, you need to have a minimum of 2,500 points. Once you earn them, you can select 'cash' as your redemption option and your card outstanding will be adjusted with the equivalent cash benefit. Every 100 points would give you Rs.20.

    Can I get an add-on card in addition to the primary MoneyBack card?

    Yes, you can apply for a supplementary card for your immediate family members older than 18 years. The add-on card is free for lifetime and carries all the benefits of the primary card.

    >Other Top Credit Cards By HDFC Bank
      

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    HDFC Bank MoneyBack Credit Card Reviews

    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "HDFC card is acceptable everywhere"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is better than other cards. I have a HDFC money back credit card so i get a rewards points whenever I'm doing the transaction or purchases those rewards points, i can easily converted into cash. There are lots of EMI conversion done from this card. If i purchase in online and converting those transaction into EMI at that time, there is no charges. Due to some personal reason, if a customer unable to make the payment on a due date, they are charging me a huge late fee and interest rate.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • HDFC Bank Credit Card
      "Good one"
      0.5 4.5/5 "Excellent!"
      I am using the HDFC credit card for past 1.5 years. I used to receive lots of cashbacks and rewards points. I am having a money back card. They have increased my credit limit once i completed one year. My payments are on time hence i'm not aware of the late fee charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 01, 2019
    • HDFC Bank Credit Card
      "Useful card"
      0.5 5.0/5 "Blown Away!"
      I have chosen the HDFC credit card because of the HDFC service is good. They have provided me a credit limit of Rs. 1 lakh. They haven't informed me about the annual fee. Till now i have not used the card well and so far i have done a very few transactions.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 01, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was taken through Bank direclty .I am using this credit card for the past 5 years ,I am using this credit card mostly for Shopping ,This card is a free card andit is easy t access and got a clear picture about the card process through the agent .I am satisfied with the service so far .
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 27, 2019
    • HDFC Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      More than 3 years, i am having a credit card from HDFC and its a money back credit card. I don't avail any offers from them. They are sending a lots of offer messages with terms and conditions. When i want to avail the same, they will say this offer is not available for me.
      Was this review helpful? 2
      , chennai
      Reviewed on Sep 25, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have been using the HDFC credit card for last 4 years and its a life time free credit card and I'm getting a money back guarantee and the points can be redeemed in terms of money. I have not faced any trouble on this card. They have increased the credit limit on a time to time basis. Their customer care people very helpful and good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Sep 17, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      There is no issues with HDFC money back credit card its helps me to earn more reward points based on the transactions. As of now almost I earned 4500 rewards points, through netbanking I have option to convert those points into cash back. First year there is a yearly fee of Rs.500 from second year onwards its has life time free benefits.
      Was this review helpful? 0
      , karnal
      Reviewed on Sep 15, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      More than 6 years, i am having a credit card from HDFC. I have a money back card. There is a airport launch facility and cashback on online purchase. I'm getting a movie tickets every month. They have sent me a messages to increase the credit limit but i have rejected the same.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am holding HDFC money back credit card for more than 2 years. It was a life time credit card and the credit limit is sufficient,so far no issue I faced by using this card. There is an EMI option and charges are nominal and also there is an option to convert for EMI in mobile app. Mostly I use for shopping and restaurants purposes.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Professional banker"
      0.5 5.0/5 "Blown Away!"
      I am holding a money back credit card from HDFC. This card is very much useful on a emergency basis. If I'm unable to convert my rewards points, hence they convert into a money to my account. I use the card for the general purchase like petrol and groceries.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • HDFC Bank Credit Card
      "Very Good Credit card"
      0.5 5.0/5 "Blown Away!"
      Earlier i had applied the credit card from HDFC. Comparing with other company credit cards, HDFC is good hence i have opted the same. Through online, i have sent the documents. Based on my company norms, the employee should not have applied the credit card and personal loan since my company does not allowing very verification process hence i have canceled the credit card request.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 10, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied for HDFC BANK MONEYBACK CARD online. I don't know the status of my application. They have not called me with an update. Their customer care executive called me once and I had given all the information. After that no one came to collect documents.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 09, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I applied for HDFC BANK MONEYBACK CARD online. I have got an update for their customer service that my application has been closed because the company I am working with is not registered. They asked me to try next time. Their customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 09, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I got a credit card from HDFC BANK and it was very good for me. They have given me a credit limit of 25K and I have received money back card which I can utilized everywhere. The special benefit is there is no annual fee. They are charging 10% for late payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 09, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had applied for HDFC BANK MONEYBACK CARD online. I submitted all my documents to a bank executive, I gave them my salary slip but they were not accepting as it was thrid party salary slip. They are not giving me proper updates. I called them many times but there was no response.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 09, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      HDFC card I'm using from the day when i got my salary account. Their banking transactions are easy and i do a quite number of transaction and i hold this card for more than 4 year. Its a user friendly card to use. Bankers are charging according to their norms. Its a money back card and the benefits are good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 01, 2019
    • HDFC Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      In HDFC, i am using the Money back credit card. I can redeem the points for purchasing the gift and different kind of stores. The response from the team is good and anytime i can contact them. It connects easily. HDFC credit card which i'm using for past 3.5 years and i got an opportunity to upgraded the card but i have rejected the same but they have increased the limit from Rs. 80000 to Rs. 1 lakh.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 30, 2019
    • HDFC Bank Credit Card
      "Good Wifi Card for any transactions"
      0.5 4.0/5 "Great!"
      I am fine with the interest and charges of Hdfc money back card, best thing my card has wifi facility, without surfing we can use it upto Rs.2000 transactions without pin as well. Its a fast moving card for me. Its always safe and secured and payment gateway is also convenient. Even I had some cash back in the fuel filling, food order upto 10 to 15%.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 30, 2019
    • HDFC Bank Credit Card
      "Very Good card"
      0.5 4.5/5 "Excellent!"
      I am using the moneyback card from HDFC and whenever i do a purchase, they will give a rewards points if there is any delay in making the payment they will waive of the charges. This is a life time free credit card hence there is no charges for the card. In this card, fuel sur charges are not there.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 27, 2019
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