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

    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
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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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.

      

    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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been five years since i am using the HDFC BANK MONEYBACK CARD, the services of them had always been good. There is a good credit limit with this card and there has also been some good offers which comes with this card. I am using the card for all sort of purposes.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 22, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank Money Back card which i have directly applied with Bank itself .The card limit is good and sufficient so far .I have submitted the documents as well.There are good reward points and cash back offers and so far not faced any issues .I am comfortable with the usage of this card .So far No likes and Dislikes on using this card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2019
    • HDFC Bank Credit Card
      "Good cashback card"
      0.5 5.0/5 "Blown Away!"
      Basically my salary account is in HDFC and from this card i get a lots of cashback thats i have chosen the Money back credit card. There fees and charges are more high because the fee is Rs. 750 and my monthly transaction is more than Rs. 40000 even though they are not waiving of the annual fee. I pay the money regularly before the due date.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have directly applied with HDFC bank, for this Money back card ,The credit limit was good on this card ,I have got the credit card without any delay ,The agenet dint gave all information about the card ,I am using this card for more than 2 years,This is a Money back card not have any likes and dislike so far .This card dont have any App .
      Was this review helpful? 0
      , thane
      Reviewed on May 20, 2019
    • HDFC Bank Credit Card
      "Good customer support "
      0.5 5.0/5 "Blown Away!"
      Three days back my HDFC money back card got hacked and taken Rs.2300 within minute I got a call from the bank end. They blocked and taken request for new card, I really appreciate the speedy service and they are updated. But the limit is only Rs.52,000 that is the drawback. However I am getting mail they give are providing air lounges.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2019
    • HDFC Bank Credit Card
      "HDFC bank credit card will provide good offers"
      0.5 4.0/5 "Great!"
      I have no problem with HDFC. I got the redemption points of 9000 but i don't know how to claim it till now even though i'm using the card for last 4 years. They have not given me any proper information about the redemption. Credit limit is enough for me and there is no annual fee. I used to make the bill payment through net banking options.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2019
    • HDFC Bank Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      Choosing the HDFC money back card because of so many discounts in many shopping malls. I got the limit of Rs. 50000 which is not satisfactory. Because my expectation was more than Rs. 1 lakhs. If i use the card for more than Rs. 50000, they are deducting over limit usage charges. I'm happy about the bill cycle and due date.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 18, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank Money Back credit card which was offered through Bank.This card is a chargeable card .The credit limit was good .The agent gave all the required details of the card .I have not faced any issues so far on using this credit card .This card is having good cash back offers and reward points .I am satisfied with the usage so far.This card is reliable to use so far .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank Money Back credit card which i have applied through Online .This card is very useful and good to use .I have not faced any issues so far on using this card .This credit card is having a good credit limit and it is sufficient as well .There are cash back offers and reward points as well.I am comfortable on using this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have HDFC Bank credit card which i have directly applied through agent.The credit limit was good on this card.The agent gave clear picture about the credit card process .If we spend above Rs.25,000 or above Rs.50,000 will get cash back offers .I have Money back credit card ,It is good to use so far.I am comfortable on using this card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2019
    • HDFC Bank Credit Card
      "Need to increase more points "
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank credit card for more than a month. At an initial process I have some issue from bank end so that took more than a month to dispatch the card. The credit limit is okay. Whenever I do a transaction i use to point which was low. It is an annual fee chargeable.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have applied for HDFC bank credit card for more than a month. At an initial verification process was smooth and good. But still now I have not received the card yet. It is a life time free credit card. The credit limit should be much sufficient to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using the HDFC Bank Money Back card for the last couple of years, the card has been having some good cash back offers and i had been utilizing them. I am satisfied with the credit limit with this card and it does not have any annual charges. I am using the card for online shopping and also for some other purchases as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been three years since i am using the HDFC MONEYBACK Credit card, the services of them had been pretty much good. There has been some good benefits in using this card like i used to get some cash back offers. The card does not have any annual charges and i am using the card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken HDFC bank credit card for more than a month and i have applied through an online. The verification process was smooth. On time i received a card. They have provided good offers and benefits. I use to get points based on the transactions. The credit limit is sufficient to use. It is an annual fee chargeable.
      Was this review helpful? 0
      , pune
      Reviewed on May 14, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had selected the HDFC BANK MONEYBACK CARD since there is good offers with this card on online shopping like 10% cash backs. The process in getting this card was simple and card was delivered on time. The credit limit with the card is okay and there is some annual charges with this card, i have also started using the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 11, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken HDFC Money back card and the credit limit is average, it could have been done more. When I dialed the customer service, the procedure is lengthy and call wait time is more which needs to be quick. I hope, there was no annual charges. I have been using the card for more than a month and the payment mode is easy. I get the statements online via emails and I can do the payment by selecting the bank on their list.
      Was this review helpful? 1
      , chennai
      Reviewed on May 10, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting my HDFC MONEYBACK CREDIT CARD has been quite smooth and easy, they had collected the documents at the doorsteps and after that it took just 12 days in getting the card. I am satisfied with the credit limit with this card and they had explained me about the benefits and features with this card, i have started using the card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 10, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I choose HDFC credit card because here 5% cash back on line shopping , and here is also some other offer available , this is free card, no any charges here, and I am satisfied with credit limit , and their allover service is good , I got this card on time ,
      Was this review helpful? 0
      , bangalore
      Reviewed on May 04, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I have choosed HDFC Bank Credit card since the nname is good that is the reason ,The credit limit was good and i have applied for Hdfc Money Back Card .The agent gave all information about the credit card ,I have received the credit card on time ,there was no issues on documents submission.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 03, 2019
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