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HDFC Moneyback Credit Card

Apply HDFC Moneyback Credit Card

Reward Type


Joining Fee


Annual Fee


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  • Get 500 RP as welcome benefit (on Card Fee Realization)
  • Earn up to Rs 2000 worth of gift vouchers very year.Spend Rs 50,000 worth of retail spends in calendar quarter and get a Rs 500 GV
  • Redeem Reward points as CashBack on your MoneyBack Credit Card (100 Reward Points = Rs 20)
  • Fuel surcharge waiver up to Rs. 250 per billing cycle.
  • TO MAKE THIS CARD LIFE TIME FREE: Spend 30,000 within 90 days of card Opening date |Annual Fee waiver basis active smartpay|Annual Fee shall be levied forthwith if cardmember discontinues, temporarily or permanently, the subscription to Smart Pay or fails to comply with conditions required for enjoying non-levy of Annual Fee.


  • Annual fees –INR 500/-
  • Joining fees –INR 500/-

Documents Required

  • Application form with 2 photographs.
  • ID proof – Any one (PAN Card, Driver license, Passport, Aadhaar card)
  • Address proof (Permanent)– Any one (Passport, Aadhaar card)
  • Last 3 months Payslips for salaried
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If you are looking for a credit card which allows you to enjoy cash back on your everyday spending, then the HDFC MoneyBack Credit Card can be a suitable option.

HDFC is one of the leading private sector banks in India and one of the largest credit card issuers in the country. HDFC Bank was incorporated in 1994 and provides a range of wholesale and retail banking services. It offers a wide array of credit cards to suit the differing needs of its large customer base.

Overview of HDFC MoneyBack Credit Card

If you are looking for a credit card that offers Rewards Points that can be redeemed for cash back and that rewards online shopping spends, especially online shopping, then this card is for you. It offers attractive rebates on shopping coupled with interest-free credit for up to 50 days, enhanced Rewards Points on online spends and special deals from HDFC among other perks. This makes the MoneyBack card the perfect partner for the enthusiastic and avid shopper.

HDFC Bank MoneyBack Credit Card Features

Get MoneyBack Rewards 

Enjoy shopping with your HDFC MoneyBack Credit Card and get 2 Reward Points for every Rs. 150 spent. You can redeem Reward Points as CashBack against the outstanding amount on your Credit Card (100 Reward Points = Rs. 40).

Additionally, you may also choose to redeem your Reward Points for gifts from HDFC’s extensive rewards catalogue. Note that Reward Points will not be accumulated for fuel transactions. Only retail purchases qualify for reward points. Also, cash advance, fees and other charges do not qualify for Reward Points.

Shop online and get rewarded!

Shopping online has never been so fun and rewarding! Shopping with your HDFC Bank MoneyBack Credit Card will earn you 200% more points which will be credited in the subsequent statement cycle.

Fuel Surcharge Waiver:

Swipe your HDFC MoneyBack Credit Card at petrol pumps and get a Fuel Surcharge Waiver, which is capped at Rs. 250 every billing cycle. Services taxes are applicable. With the HDFC MoneyBack Credit Card, you can now save up to Rs. 1,800 a year on fuel transactions (assuming that your average monthly fuel bill is Rs 6000).

HDFC Bank MoneyBack Credit Card Benefits

Safe & Secure Transactions:

The HDFC Bank MoneyBack Credit Card comes with an encrypted chip which ensures that your transactions remain secure. It has both the dip and magnetic swipe facility. Carry your card anywhere and be assured that your transactions are safe, globally, with this Chip Technology-enabled card.

Zero Liability on lost card:

If your card is stolen or misplaced, you have zero liability once you report the loss. If you lose your MoneyBack Credit Card, ensure that you immediately report the loss to the 24-hour HDFC customer care centre. Once you report the loss, you carry no liability on any fraudulent transactions that may occur on your card.

Interest-free credit facility: 

Enjoy up to 50 days of interest-free credit from the date of your purchase.

Reward Points validity:

The Reward Points accrued are valid only for 2 years from the date of purchase. You can earn a CashBack of Rs. 2,000 on Rewards Points accumulated by spending Rs. 2.5 lakh on your card (assuming 30% online spending).

Save on fuel transactions:

You can now save up to Rs. 1,800 every year on your fuel transactions (if you spend an average of Rs 6000 per month on fuel).

Eligibility for HDFC Bank MoneyBack Credit Card

For salaried employees – between 21-60 years

For the self-employed – between 21-65 years

HDFC Bank MoneyBack Credit Card annual fee

The annual fee varies with each customer and each HDFC MoneyBack Credit Card offer. It is communicated to the card member at the time at the time of application. However, your first year fee is reversed on spends of Rs. 10,000 within 90 days of getting your card. The renewal fee is waived if you spend Rs. 50,000 in the year prior to the renewal date.

HDFC MoneyBack Credit Card - documents required

The documentation required for an HDFC MoneyBack card is simple. You will require the following:

  • At least 2 photos and signature-bearing national identity cards
  • Proof of address - ration card, electricity bill etc. can be submitted
  • PAN card, Form 16 and IT return

HDFC MoneyBack Credit Card FAQs

Can I apply for a HDFC MoneyBack Credit Card online?

Yes, you can apply for HDFC MoneyBack Credit Card online.

Can I use my HDFC MoneyBack Credit Card for online transactions?

Yes, you can use this credit card for online transactions. Just register the card for 'Verified by Visa'/’MasterCard SecureCode’, after which the card can be used online. This ensures safe online transactions.

Can HDFC MoneyBack Chip Card be used as a normal swipe card?

Yes, the HDFC MoneyBack Credit Card comes with a chip technology that can also be used as a swipe card.

How can I redeem HDFC MoneyBack Reward Points?

It is simple to redeem your points for cash. Just fill the HDFC Bank CashBack Credit Card redemption coupon which is available online and drop it in the nearest HDFC Bank credit card drop box. The CashBack will be credited to your card account within 10 working days on the receipt of your completed application form.

Alternatively, you can login to your NetBanking account and check for available Reward Points on your card and redeem them. You can also call the 24 hour customer care centre and ask for your points to be converted. The CashBack will be credited to your credit card account and will be reflected in the next credit card cycle.

HDFC Bank MoneyBack Credit Card review

HDFC MoneyBack Credit Card offers extra rewards for keen online shoppers as it gives 3 times more Reward Points for online spends. HDFC Bank has designed this card keeping in mind online shopaholics, so that they can get attractive returns on shopping together with other lifestyle benefits for using the card. The rewards and perks this card offers on shopping make it a desirable option, provided that you pay off your credit card dues consistently every month.

Apply for a HDFC MoneyBack Credit Card

You can apply for a HDFC MoneyBack Credit card online by logging onto the HDFC Bank website or by visiting the nearest HDFC branch and submitting the application and required documentation.

Alternatively, if you think you need help with the credit card application process and advice on eligibility, CreditMantri can guide and match you with the credit card that suits your needs the best.

Hdfc Moneyback Credit Card - Customer Reviews

4 / 5 (367 Reviews)
13 Mar 2020

test the product

1 Mar 2020

Good good

2 Jan 2020

Good 10 mark

18 Oct 2018

Good credit card

7 Feb 2018

Very Good

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