HDFC Bank MoneyBack+ credit card
HDFC BankVisaEntry-level

MoneyBack+ credit card

10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart and Swiggy.

42
Personal score42/100● Weak fit
Recurring net savings₹4,957/yrafter fee, GST and caps · bills paid in full
First-year value₹4,492incl. ₹125 welcome, ₹590 joining fee
Effective savings rate1.5%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹50,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – MoneyBack+ product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹2,218/yr10X on Amazon, BigBasket, Flipkart,…
₹1,800/yr1 milestone unlocked
Waived₹590 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹4,957/yr · 1.5%
10X on Amazon, BigBasket, Flipkart, Reliance…on ₹67,200₹2,218
Base rate 0.33% on other spendson ₹1,75,440₹579
Excluded categories (no rewards)on ₹84,000₹0
₹500 voucher on ₹50k quarterly spendmilestone₹1,800
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹4,957/yr is calculated
MoneyBack+
+ Reward value on your spendat ₹0.25/CashPoints realistic value
₹2,797
+ Milestone bonuses you reach1 of 1 achieved
₹1,800
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹50,000 spend
₹0
= Recurring net savings
₹4,957/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.5%

How the score of 42 is built

weights total 100% · methodology
Net savings rate31/100 × 55%16.9
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. New feeHDFC Bank

    HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps

    From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.

    Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.33%value on eligible spend
⚡ Accelerated3.3% 10X on Amazon, BigBasket,…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹590/yr incl. GSTwaived on ₹50,000 spend · joining ₹500
🎁 Welcome (year 1)≈ ₹125500 CashPoints on fee payment
🏁 Milestones₹450 @ ₹50,000/quarter
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/CashPoints ★★★☆☆1 CP = ₹0.25 against statement (min 2,000 CP).
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Cheap, easy waiver
  • 10X on five big apps
  • Quarterly vouchers
  • 0.33% base
  • CashPoints worth ₹0.25
  • No lounge

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Community Q&A on the MoneyBack+

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank MoneyBack+?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹50,000 in the card year.

Does the MoneyBack+ give airport lounge access?

No lounge access. None.

How much can I save with the MoneyBack+?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,957 a year, an effective savings rate of 1.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the MoneyBack+'s reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10X on Amazon, BigBasket, Flipkart, Reliance Smart, Swiggy: capped at ₹625 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: MoneyBack+ lounge access by airport · all HDFC Bank cards · change log.