HDFC Bank MoneyBack Plus Credit Card

HDFC Bank MoneyBack Plus Credit Card Features and Benefits

HDFC MoneyBack+ Card, just like the original MoneyBack Card, is among the most popular cashback credit cards available in the Indian market. You earn cashback as CashPoints on all categories of spends with the card. Apart from earning CashPoints, the card also offers a few other benefits like gift vouchers (on achieving the stipulated spending milestones), dining discounts, fuel surcharge waivers, etc.

Welcome Benefits

• You get 500 CashPoints when you join the card as a welcome benefit.
• Each year, on card renewal, cardholders shall get 500 cash points.

Milestone Benefits

Earn a gift voucher worth ₹500 on expenditure of ₹50,000 or more in a quarter. This means that you can earn gift vouchers worth ₹2,000 in a year.

Dining Benefits

Paying through your MoneyBack Plus Credit Card can earn you a discount of up to 20% on dining at more than 2,000 premium restaurants. This discount is only available if the dining bill payment is made via Swiggy Dineout.

Fuel Surcharge Waiver

When you pay using your HDFC MoneyBack+ Credit Card, you can get a 1% waiver on the fuel surcharge for fuel purchases. The maximum waiver that can be claimed is capped at ₹250 per billing cycle.

Spend-Based Renewal Fee Waiver

On spending ₹50,000 or more in the last year, get a waiver on the renewal fee of ₹500 for HDFC MoneyBack+ Credit Card.

UPI Enabled

HDFC MoneyBack Plus Credit Card is available on multiple card networks, including Visa and RuPay. Those who opt for the RuPay variant can link their cards to UPI and make payments through their UPI applications.

HDFC Bank MoneyBack+ Credit Card Reward Points/Cashback

HDFC MoneyBack+ Credit card offers cashback in the form of CashPoints for every transaction done with the card. The following are the cashback on different transactions:

10X CashPoints/₹150 Spent on Popular Brands

Get 10x Cash Points (20 CPs/₹150) on your spends on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy. The bonus cash points under this category are capped at 2,500 points per month.

2 CashPoints/₹150 Spent on Other Spends

Get 2 CashPoints/₹150 spent. SmartPay transactions will also be considered under the 2 CashPoints category.

CashPoints will not be provided for spending or transactions such as fuel spending, wallet loads, gift or prepaid card loads, rent, government transactions, Smart EMI, voucher purchases, cash advances, payment of outstanding amounts, and payment of card fees.

Reward Points/Cashback Redemption

• 1 Cash Point = ₹0.25 for redemption against statement cash. The points are redeemable against cash credit by logging into your net banking account, and a minimum of 500 Cash Points are required.
• 1 Cash Point = ₹0.25 for redemption against flight/hotel bookings on Smartbuy. The cash points can only be used for up to 50% of the booking, and the rest must be paid through the cardholder’s account.
• 1 Cash Point = ₹0.25 when redeemed against the product catalog.
• 1 Cash Point = 0.25 AirMile for redemption against Airmiles.

Eligibility Criteria for HDFC MoneyBack Plus Credit Card

The following table illustrates the income-based and age-based eligibility criteria for the HDFC MoneyBack+ Credit card-

• Salary employees should be between 21 and 60 and earn at least ₹20,000 per month.
• The self-employed individuals should be between 21 and 65 years old and have a minimum annual income of ₹6 lakhs.
• The applicant should have a decent credit score.

Money Back Plus Credit Card Limit

The credit limit assigned to the HDFC MoneyBack Plus Credit Cardholders has yet to be disclosed by the HDFC Bank as there is no fixed limit for everyone, and it varies for different cardholders. The factors that affect your credit card limit include your credit score, past payment history, income, etc. If you are a high-income individual or you have an excellent credit score, you will get a higher credit limit than those with a low score. If you have a lower credit limit, you should build a good score and apply for a higher credit limit. You can do this by contacting your bank’s customer care, filling out the online application form for card up-gradation, or visiting the branch.

HDFC MoneyBack Plus Credit Card Bill Payment

To make the bill payment of your HDFC Bank MoneyBack Plus Credit Card, you can follow the below-mentioned procedures:

• Visit the HDFC Bank’s Bill Desk page, enter the required credit card information, and proceed further to pay the bill.
• Log in to your HDFC Bank internet banking account and pay your credit card bill under the section ‘Credit Card Payment.’
• If you have a savings account in a bank other than HDFC Bank, you can settle your card bill via NEFT.
• You can also use digital payment services apps like Paytm, CRED, PhonePe, and CheQ to pay your credit card bills.

HDFC MoneyBack+ Credit Card Customer Care

• If you need emergency assistance related to your HDFC Bank MoneyBack Plus Credit Card, you can call the 24*7 helpline number, 1800 266 4332.
• To send your queries via email, contact HDFC Bank credit card customer care at [email protected].

Popular Credit Cards Similar to HDFC MoneyBack Plus

HDFC MoneyBack+ Credit Card Review

With its great reward offers and redemption options, the HDFC MoneyBack+ Credit Card can be viewed as a great card for regular spending. Being one of the basic yet popular HDFC Credit Cards, it provides you with an amazing reward rate (up to 3.33%), which will help you save a lot. Moreover, you can earn exciting gift vouchers worth ₹500 every quarter on the basis of your spending; the annual fee for the card can also be waived. All these basic but amazing features of this card make it worth trying. If you need a card that would help you manage your everyday expenses, this card would be a significant choice. After going through this HDFC MoneyBack Plus review given above, let us know your views on the card below in the comment area.