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HDFC Bank MoneyBack Credit Card - Earn Rewards & Cashback

Writer's picture: Abhinand PSAbhinand PS

Introduction

The HDFC Bank MoneyBack Credit Card is a perfect choice for individuals seeking a card that rewards everyday spending. With its exciting cashback offers and reward points system, this credit card helps you save more while spending smarter.



HDFC Bank Visa card with "Moneyback+" text. A person jumps with a money bag over colorful bar graphs and star icons, conveying success.

Whether you're shopping online, paying bills, or dining out, the MoneyBack Credit Card offers unparalleled convenience and value. In this blog, we'll explore everything you need to know about the HDFC MoneyBack Credit Card, from benefits to the application process.

Why Choose the HDFC Bank MoneyBack Credit Card?

The HDFC MoneyBack Credit Card is designed to give maximum returns on your everyday transactions. Here's why it's a great pick:

Key Features:

  1. Reward Points: Earn 2 reward points for every ₹150 spent.

  2. Cashback on Rewards: Redeem reward points as cashback at a rate of ₹20 for every 100 points.

  3. Fuel Surcharge Waiver: Save on fuel transactions across India.

  4. EMI Conversion: Easily convert large purchases into affordable EMIs.

Keywords:

  • HDFC MoneyBack Credit Card benefits

  • Cashback credit cards India

  • HDFC reward points system

Benefits of the HDFC MoneyBack Credit Card

Features

Details

Annual Fee

₹500 (waived off if annual spend exceeds ₹50,000).

Reward Points

Earn 2 reward points per ₹150 spent.

Online Spending Rewards

2X reward points for online transactions.

Fuel Surcharge Waiver

1% waiver on fuel transactions (minimum ₹400, maximum ₹5,000 monthly).

Zero Liability

Cardholders are protected against fraud and loss if the card is reported stolen promptly.

Pro Tip:

Spend wisely and pay bills on time to avoid late payment charges and maintain a good credit score.

Click here to apply for the HDFC MoneyBack Credit Card.

Who Should Get the HDFC MoneyBack Credit Card?

The HDFC MoneyBack Credit Card is perfect for:

  1. Online Shoppers: Earn double reward points on every online purchase.

  2. Budget-Conscious Individuals: With a low annual fee and cashback benefits, this card is a great fit for those who want to save.

  3. Frequent Spenders: Make the most out of every transaction with redeemable reward points.

How to Apply for the HDFC MoneyBack Credit Card

Applying for the HDFC MoneyBack Credit Card is simple. Follow these steps:

Step-by-Step Process:

  1. Eligibility Check:

    • Minimum age: 21 years.

    • A stable income source.

    • A good credit score (recommended 700+).

  2. Documents Required:

    • ID Proof: Aadhaar or PAN Card.

    • Address Proof: Voter ID, Passport, or utility bill.

    • Income Proof: Salary slips or ITR.

  3. Online Application:

    • Visit the official HDFC MoneyBack Credit Card page here.

    • Fill out the form and upload the required documents.

  4. Approval & Dispatch:

    • Once your application is verified, the card will be delivered within 7-10 working days.

Tips to Maximize Your HDFC MoneyBack Credit Card Benefits

Actionable Insights:

  • Use for Online Shopping: Earn double reward points for every ₹150 spent.

  • Convert Big Purchases to EMIs: For transactions above ₹5,000, use the EMI option.

  • Track Reward Points: Use the HDFC NetBanking portal to keep track of your points.

  • Redeem Points Smartly: Opt for cashback conversions for maximum savings.

FAQs about the HDFC MoneyBack Credit Card

1. What is the annual fee for the MoneyBack Credit Card?

  • The annual fee is ₹500, which is waived if your annual spending exceeds ₹50,000.

2. How do I redeem reward points?

  • Reward points can be redeemed through the HDFC NetBanking portal. Convert them to cashback or use them to shop for vouchers.

3. Is there a cap on reward points?

  • While there’s no cap on earning points, certain categories, like fuel and utility payments, may have restrictions.

4. Does the MoneyBack Credit Card offer lounge access?

  • No, this card does not include lounge access. For such benefits, you can explore premium HDFC cards.

Comparing HDFC MoneyBack Credit Card with Other Cards

Feature

HDFC MoneyBack Credit Card

HDFC Freedom Credit Card

HDFC Regalia Credit Card

Annual Fee

₹500 (waived on spending ₹50,000)

₹500

₹2,500

Reward Rate

2 points per ₹150 spent

1 point per ₹150 spent

4 points per ₹150 spent

Fuel Surcharge Waiver

Yes

Yes

Yes

Online Rewards Multiplier

2X

No

Yes

Pros and Cons of the HDFC MoneyBack Credit Card

Pros

Cons

Double reward points on online spending

Limited premium features like lounge access

Low annual fee, waived upon spending ₹50,000

No travel-specific rewards

Fuel surcharge waiver

Reward points capped for certain spends

Internal and External Links

Conclusion

The HDFC MoneyBack Credit Card is a versatile, budget-friendly credit card that rewards your daily expenses while helping you save. With features like reward points, cashback, and zero liability, this card is an excellent financial companion for online shoppers and frequent spenders.

Ready to start earning on every transaction? Apply now and make the most of your spending today!

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