Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC MoneyBack Credit Card

    The Moneyback Credit Card by HDFC Bank is specially curated for customers. With this card, for every spend you make, you will receive a certain percentage of money back at the end of the credit cycle. The credit card comes with a joining fee of Rs.500 and an interest rate of 3.49%.

  • We found 1 HDFC Bank MoneyBack Credit Card
    1st Year Fee
    Joining Perks
    Reduced to 0 If an HDFC Current/Savings Account is present/opened within 3 months of card approval 500
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    Fee Details

    Key Highlights of HDFC Bank MoneyBack Credit Card

    • 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.

    Other HDFC Bank Credit Cards

    HDFC Bank MoneyBack Credit Card 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.

    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.

    Cashback Benefits

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

    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.

    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.

    HDFC Bank Moneyback Credit Card Limit

    The credit limit on HDFC Moneyback Credit Card will be varying for each applicant. The bank will determine the credit limit, as well as cash limit on the card, separately for each applicant. The credit limit for a cardholder will be based on the credit score of the primary applicant, the credit report along with the repayment habit of past and ongoing debts.

    HDFC Moneyback Credit 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 for HDFC Bank Moneyback Credit Card

    • 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 for HDFC Bank Moneyback Credit Card

    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.

    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.

    FAQs on HDFC MoneyBack Credit Card

    1. 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

    2. 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.

    3. 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.

    4. 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.

    5. 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.

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