Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Custom Free
     

    Get a card

  • HDFC Bank MoneyBack Credit Card

    Loading your search...
  • 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.
    More
  • We found 1 HDFC Bank MoneyBack Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    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
      

    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 Bank MoneyBack Credit Card Reviews

    • HDFC Bank Credit Card
      "User friendly card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 16, 2020
    • HDFC Bank
      HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 13, 2020
    • HDFC Bank Credit Card
      "Very Good Card Service"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 12, 2020
    • HDFC Bank Credit Card
      "Good credit limit in HDFC Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , bharuch
      Reviewed on Mar 11, 2020
    • HDFC Bank Credit Card
      "Flexible to use"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 10, 2020
    • HDFC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 2
      , kolkata
      Reviewed on Mar 10, 2020
    • HDFC Bank Credit Card
      "Very good card"
      0.5 4.5/5 "Excellent!"
      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.
      Was this review helpful? 1
      , kolkata
      Reviewed on Mar 10, 2020
    • HDFC Bank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 10, 2020
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 09, 2020
    • HDFC Bank Credit Card
      "Okay Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 08, 2020
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Feb 25, 2020
    • HDFC Bank Credit Card
      "Good Service"
      0.5 2.0/5 "Expected more"
      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.
      Was this review helpful? 0
      , mangalore
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Best card "
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 4
      , chennai
      Reviewed on Feb 03, 2020
    • HDFC Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , goa
      Reviewed on Jan 27, 2020
    • HDFC Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 16, 2020
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 3
      , chennai
      Reviewed on Jan 06, 2020
    • HDFC Bank Credit Card
      "Satisfactory card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jan 06, 2020
    • HDFC Bank Credit Card
      "Worst bank"
      0.5 0.5/5 "Unacceptable"
      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.
      Was this review helpful? 3
      , chennai
      Reviewed on Jan 02, 2020
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      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 .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 23, 2019
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.