HDFC MoneyBack Credit Card
Earn cashback on everyday purchases
Annual Fee
₹500
Online Cashback
2%
Welcome Bonus
₹500 cashback
Key Features & Benefits
2% Online Cashback
Earn 2% cashback on online shopping (up to ₹750 per month)
2% Dining Cashback
Get 2% cashback on dining transactions (up to ₹750 per month)
0.2% Base Cashback
Earn 0.2% cashback on all other purchases
Fuel Surcharge Waiver
1% fuel surcharge waiver (₹20-500 per transaction)
Welcome Cashback
₹500 cashback on spending ₹2,000 in first 90 days
Secure Transactions
Advanced fraud protection and zero liability
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Online Shopping | 2% | ₹750 per month |
| Dining | 2% | ₹750 per month |
| Fuel Surcharge Waiver | 1% | ₹20-500 per transaction |
| All Other Spends | 0.2% | No cap |
Cashback Credit: Monthly statement credit
Minimum Cashback: ₹100 for redemption
Cashback Validity: 3 years from credit date
Special Benefits
Insurance Coverage
Complimentary personal accident and liability insurance
Purchase Protection
Coverage against theft and accidental damage
BookMyShow Offers
Special discounts on movie tickets and events
24/7 Customer Care
Round-the-clock customer support services
Fees & Charges
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver
On ₹50,000 annual spends
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-60 years
- Minimum Income: ₹25,000 per month (Salaried)
- Minimum Income: ₹2,00,000 per annum (Self-employed)
- Credit Score: 700+ (preferred)
- HDFC Bank relationship preferred
- Stable employment history
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (3 months)
- Employment proof
- Recent photographs
Pros & Cons
✅ Pros
- Good online shopping cashback (2%)
- Dining cashback included
- Low annual fee (₹500)
- Established bank brand
- Fuel surcharge waiver
- Easy fee waiver on spending
- Quick approval for HDFC customers
❌ Cons
- Low base cashback rate (0.2%)
- Monthly caps on bonus categories
- Higher minimum income requirement
- No airport lounge access
- Joining fee applicable
- Minimum cashback redemption threshold
Apply for HDFC MoneyBack Credit Card
Perfect For
- ✅ Online shopping enthusiasts
- ✅ Frequent diners
- ✅ HDFC Bank customers
- ✅ Cashback seekers
- ✅ Mid-income professionals