HDFC Bank MoneyBack Plus Credit Card
The HDFC MoneyBack Plus Credit Card is an upgraded version of the regular MoneyBack Card, with the same ₹500 joining and annual fee but better rewards. You can earn up to 20 CashPoints for every ₹150 spent on select partner brands like Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore. These points can be used for bill payments, shopping, Airmiles, and more. You also get up to 20% off at over 2,000 restaurants, a fuel surcharge waiver, and a chance to get your annual fee waived based on your yearly spending. If you meet spending goals, you can earn ₹500 gift vouchers every quarter and up to ₹2,000 in welcome rewards.
This card is perfect for beginners, with a low income requirement of just ₹25,000 per month. It focuses on everyday spending but does not offer travel benefits like airport lounge access. Also, there are no reward points on fuel, and grocery rewards are capped at 1,000 points. Still, with a reward rate of up to 3.33% and useful features, the MoneyBack Plus is a simple and rewarding option for those looking to save on daily expenses.
Rewards and Benefits
Fees & Charges
Can I withdraw cash using my HDFC MoneyBack Plus Credit Card?
Yes, you can withdraw cash using your HDFC MoneyBack Plus Credit Card. However, keep in mind that there is a fee for doing so. The bank charges 2.5% of the amount you withdraw, with a minimum fee of ₹500. It's usually better to avoid withdrawing cash with your credit card because the fee can be quite high.
Can I earn a fuel surcharge waiver on every transaction via HDFC MoneyBack Plus Credit Card?
No, you can’t get a fuel surcharge waiver on every transaction. You can earn a waiver of 1% on transactions between ₹400 and ₹5,000. However, there is a limit to this waiver, and the maximum you can earn in a statement cycle is ₹250. You can use this waiver at any petrol pump that accepts your credit card.
Do I get any UPI linked benefits on the card?
Yes, you can get UPI linked benefits if you have the RuPay variant of the HDFC MoneyBack Plus Credit Card. For every ₹200 spent through UPI transactions, you will earn 2 reward points.
What is the maximum limit of an HDFC MoneyBack Plus Credit Card?
Since the HDFC MoneyBack Plus Credit Card is a basic credit card, the credit limit is not very high. The maximum limit for this card can be around ₹1.5 lakhs, depending on your eligibility.
Do I get any renewal benefits with the HDFC Bank MoneyBack Plus Credit Card?
Yes, when you renew your MoneyBack Plus Credit Card, you will get 500 bonus CashPoints as a reward for renewing your card.
What is the maximum CashPoint value I can earn with HDFC MoneyBack Plus Credit Card?
With the HDFC MoneyBack Plus Credit Card, you can only earn up to 2,500 CashPoints each month. This limit applies when you use the 10X CashPoints offer on specific brands or earn 5X CashPoints on EMI purchases.
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