Annual fee₹500+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / RuPay
You earn
Perks & rules
What changed
15 May 2026Points now earned on each ₹200 spent (was ₹150)
15 May 20261.75% markup on rupee payments abroad or to overseas-registered merchants; card reissue fee ₹199
1 Nov 2025CashPoints redeemed against your bill now worth 20 paise each
1 Sep 20245X on merchant EMI removed; no points on wallet loads, Easy EMI or education via third-party apps
1 Aug 2024₹50 fee for redeeming CashPoints against your bill
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashPoints (reward points)
Base rate2 CashPoints per ₹200 on other spends
Higher rates
- 5 merchants: 10X: 20 CashPoints per ₹200 at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy (non-EMI; not via SmartBuy/PayZapp)
- UPI (RuPay): UPI (RuPay card): 2 CashPoints per ₹200
Limits
- 10X: up to 2,500 CashPoints a calendar month
- Up to 15,000 CashPoints per statement cycle
- Grocery: 1,000 a month; UPI: 500 a month; utilities and telecom: 2,000 a month each
- Earned only on spends in multiples of ₹200
Doesn't earn on
- Fuel, rent, government, wallet loads, gift/prepaid cards and vouchers, cash, fees, all EMI (SmartEMI, Easy EMI, merchant EMI)
- Education payments via third-party apps
- Online skill-based gaming
Where it landsPosted in the first week of the next calendar month
What a point is worth
Value₹0.20 per CashPoint against your bill (₹50 fee per bill redemption); up to ₹0.25 on SmartBuy flights/hotels and the rewards catalogue; 0.25 airmile
Expiry2 years; all lost if the card isn't used for 365 days
Redemption fee₹50 per redemption against your bill; ₹99 + GST per catalogue redemption
Welcome benefit
Welcome500 CashPoints when the joining fee is paid (500 again when the renewal fee is paid)
Milestones
Milestones
- ₹500 gift voucher for each calendar quarter you spend ₹50,000
Airport lounges
DomesticNone
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹400–₹5,000, up to ₹250 a statement cycle; no CashPoints on fuel
Spending abroad
Forex markup3.5%
Fees
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverRenewal fee waived if you spend ₹50,000 in the year
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 years (salaried), 21–65 (self-employed)
SalariedNet monthly income above ₹20,000
Self-employedITR above ₹6 lakh a year
More perks
Perks
- Extra 10% off on Swiggy Dineout with code HDFCCARDS
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- MoneyBack+ product page Product page · 2 Oct 2026
- MoneyBack+ Credit Card T&C Card T&C · 15 May 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
- MoneyBack+ FAQs FAQ · 2 Oct 2026
- Updates on credit card rewards, fees & charges (15 May 2026) Change notice · 15 May 2026
Card image: HDFC Bank's own website.
