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 percentange of money back at the end of the credit cycle. The card comes with a joining fee of Rs.500 and an interest rate of 3.49%.
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HDFC Bank MoneyBack Credit Card
1st Year Fee
Reduced to0If an HDFC Current/Savings Account is present/opened within 3 months of card approval500
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.
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.
Features and Benefits
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.
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.
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.
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.
HDFC MoneyBack Credit Card 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.
HDFC Bank announced cashback offers on some Apple products purchases using HDFC credit card or debit card.
A cashback ranging from Rs.1,000 to Rs.10,000 is being offered on iPhones, iPods, MacBooks, and Apple watches purchased between 1 January 2018 to 11 March 2018.
People purchasing iPhone-X using HDFC credit or debit cards under the EMI scheme will receive a cashback of Rs.10,000. Similarly, for other variants such as iPhone 8 and iPhone 8 Plus there is a Rs.7,000 cashback, for iPhone 7 and iPhone 7 Plus a cashback of Rs.3,000 can be availed, for iPhone 6s and iPhone 6s Plus a cashback of Rs.2,000 is applicable and on the iPhone 6, iPhone 5S, and iPhone SE variants, there will be Rs.1,000 cashback.
iPhone 8 and iPhone 8 Plus
iPhone 7 and iPhone 7 Plus
iPhone 6s and iPhone 6s Plus
iPhone 6, iPhone 5S, and iPhone SE
The announced cashbacks are valid only when the purchase is done under the EMI scheme. The EMI plan provides a tenure of 6 – 24 months. For iPhone 7, iPhone 7 Plus, iPhone 6s, and iPhone 6s Plus purchases, consumers can enjoy no cost EMI if they select either 6 months or 9 months tenure. For the rest of the variants there is no such option and the EMIs are subject to consumer interest rates.
Purchases of MacBook variants using HDFC credit cards or debit cards are also eligible for cashback offers ranging from Rs.5,000 to Rs.10,000. All the MacBook models with MRP less than Rs.50,000 are eligible for cashback of Rs.5,000 and those above Rs.1 lakh are entitled for Rs.10,000 cashback. There is no interest free EMIs offer for these products.
For iPad and Apple Watch purchases using HDFC credit or debit cards, a cashback of Rs.5,000 is applicable on all the currently available models. The cashback is also valid for full payments made using HDFC credit cards for watches.
While the EMI tenures for HDFC credit cards range from 6-24 months, EMI tenures on HDFC debit cards include 6, 9, and 12 months.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
HDFC customer care service is good because they used to resolve the issue immediately. I have been using this card from the year of 2016. I am holding my money back card hence i can convert my reward points into cash. Sometimes i use the reward points directly to purchase the product in their partnered website which is available in HDFC website.
I hold a money back credit card from HDFC bank. I just use this card and will pay it off. They don't provide me any kind of offers. I got the limit of Rs. 40000 which is not sufficient for me. I don't need to pay any annual fee when i opened my salary account, they have provided me a life time free credit card to me.
I taken my HDFC credit card in the month of January and they gave me a limit of Rs. 55000. I got the credit card offer from bank, the customer care people and i have given all the documents with the collection executive. Its a zero annual fee credit card. They have provided me a money back credit card.
HDFC is giving me a good credit limit. Its been 4 years since i'm using a HDFC credit card with the variant of money back. I'm not getting any special benefits till now. Credit card is free of cost. EMI conversion facility is not available which I'm looking from this card. HDFC customer support team is really good.
I chose my credit card from HDFC because it was offered along with my salary account. They have provided me a good credit limit. They don't charge me any annual fee and EMI conversion facility is available on this card. In my money back credit card, i do get reward points. I use this card for almost 10 years, they have increased the limit but not upgraded the card.
I am holding HDFC card for more 3-4 years. I get good offers, and the credit limit is good. The customer service is okay, the credit limit is 1L at initial it was only 18K based on my salary they have provided this limit. It is money back card. Based on usage I get cash back and reward points. There is movie offer of one plus one free ticket on Bookmyshow. com.
I have a salary account with HDFC so that i have taken a credit card with them. Just few days ago, they have increased my credit limit of Rs. 38000 to Rs. 58000. Its a zero annual fee credit card. I have taken the money back credit card and they are offering me a so many offers like on restaurants, EMI conversion on purchase but i have not used them.
HDFC is a very nice card and much more better than compared to other bank. I am holding a money back card. Whatever the points gathering there, i can convert into cash directly. 1.5 years back, i have started using this card. No such offer message received from HDFC bank end. I have a savings account with HDFC hence I'm making the credit card payment through that.
HDFC Bank offered Money back card and i am using this card more than 1 month. I applied this card through online, this is a life time free card. I am happy with the credit limit what they given and i started using this card for all purposes and i am getting cash back benefits.
4 years before HDFC credit card was best in the market hence i bought the money back credit card and there is no much benefit available on the card. Its not that much easy to connect with the customer care. I don't have any issue on the bill cycle and delivery. I make the payment through online. My credit limit get increased on a rarely basis.
HDFC credit card service is really good. I have been using money back card for almost 1.5 years, in that i used to get 5% cashback twice in a month if i swipe the card for groceries and shopping malls. They never increased my credit limit after completion of 1 year. I never paid late hence I'm not aware of the late payment charges and interest rate.
I am using HDFC Money back credit card which was availed through bank .I am using this credit card very frequently for the past 5 years only,i am getting the benefits such as movie ticket offers ,airport lounge access and discounts for shopping and everything was good to me.
Based on my salary account, executive offered me a credit card from HDFC and this is a money back credit card. There is no benefit available on this card. I have started using this card around 2016. In this 4 years, they have increased my limit twice and now the limit is Rs. 1.94 lakh. Its is a life time free card.
I am using HDFC money back credit card more than 6 months. Credit limit is normal Rs. 45K and this is a life time free card. Reward points can be converted into cash. I am using this card for normal purchase for Rs. 4k -5k and their service was good.
HDFC card is not so good because charges are very high. Taken this card for almost 3 years. They gave me a limit of Rs. 25,000 in starting days. They do not have EMI conversion facility. I'm using the money back card and i can convert my reward points into cash.
I have a HDFC credit card but the limit is low. When i contact the customer care to enhance the limit, they are not giving proper response. Offers are less. Its a money back credit card but i won't use this card much because i bought the card just 1 month before. I get a EMI conversion facility. They are sending the reminder messages regarding the due date which is helpful.
I am using HDFC Bank credit card which was taken through Bank .This was a money back card and this card is having pretty good cash back offers ,fuel benefits and movie ticket offers. This was a free card with a credit limit of 44,000 which is very less.
I am holding HDFC bank Money back credit card. This card has more benefits when I compared to other cards. I got the limit of Rs. 40,000 even though they have provided me a offer to increase the limit, i have not accepted the same. I use to make the payments on time.
Worst bank if we apply for a loan suddenly pick a call, but we have any emergency apart that there is no proper customer care support. really it is the worst thing.
Today I have more emergency in my credit card, when I call that section no one can answer for me.
I have HDFC Bank credit card which was taken through Bank directly . I am using this credit card approximately 7 years ,The credit limit was pretty good .This was a money back card and there was no difficulties faced so far.This was a paperless approval since have saving account .