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.

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:
Reward Points: Earn 2 reward points for every ₹150 spent.
Cashback on Rewards: Redeem reward points as cashback at a rate of ₹20 for every 100 points.
Fuel Surcharge Waiver: Save on fuel transactions across India.
EMI Conversion: Easily convert large purchases into affordable EMIs.
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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:
Online Shoppers: Earn double reward points on every online purchase.
Budget-Conscious Individuals: With a low annual fee and cashback benefits, this card is a great fit for those who want to save.
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:
Eligibility Check:
Minimum age: 21 years.
A stable income source.
A good credit score (recommended 700+).
Documents Required:
ID Proof: Aadhaar or PAN Card.
Address Proof: Voter ID, Passport, or utility bill.
Income Proof: Salary slips or ITR.
Online Application:
Visit the official HDFC MoneyBack Credit Card page here.
Fill out the form and upload the required documents.
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
Internal Link: Apply for HDFC MoneyBack Credit Card.
External Link: HDFC Bank Official Credit Card Page.
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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