By: Our Money Guide | Last updated on: November 18, 2025

The HDFC Bank MoneyBack+ Credit Card is a good shopping card from HDFC Bank, offering decent cashback at 5 partners, including Amazon and Flipkart. 

Among HDFC's core beginner-friendly credit cards, HDFC MoneyBack+ is positioned higher than HDFC Freedom Card but lower than HDFC Millennia in terms of rewards. Expectedly, it has easier minimum income requirements than HDFC Millennia but higher than HDFC Freedom.

Brief Overview

Benefits 

  • 3.3% cashback at select partners - Amazon, Flipkart, BigBasket, Reliance Smart Superstore, Swiggy. Valid on total purchases up to ₹18750 per month
  • Up to 1% additional reward at ₹50,000 quarterly card spend (milestone benefit)
  • 0.33% cashback on other card spends
  • 1% fuel surcharge waiver, up to ₹250 per month 
  • Airport lounge access - not available

Charges

  • Annual fee -  ₹500, waived on ₹50,000 annual card spend
  • Fee on international card transactions - 3.50% of the transaction value
  • Finance charges - 3.75% per month (45% per year)

Eligibility

Minimum income-

  • Salaried : ₹20,000 per month
  • Self-employed : ₹6 lakhs per year

Detailed Review

HDFC Bank MoneyBack+ Credit Card - Our Money Guide

Pros & Cons of HDFC Bank MoneyBack+ Credit Card

Pros

  • 3.3% cashback at important and relevant partners including Amazon, Flipkart.
  • Up to 1% additional reward at quarterly card spend of ₹50,000 (milestone reward)
  • Beginner-friendly card: Low minimum income requirement (₹20,000 per month - relatively easier approvals)
  • Annual fee waiver on ₹50,000 annual spend (easy fee waiver requirement)
  • Easy entry into the HDFC ecosystem, can exploit attractive bank-wide deals & offers
  • Being a core HDFC card, it can lead to relatively easier upgrades to higher-rewarding HDFC cards like HDFC Millennia, Regalia, and more 

Cons

  • Low rewards for in-store shopping 
  • 3.3% cashback restricted to few partners 

Tip: With a higher income, you could straightaway look at higher reward cards like HDFC Millennia

Features & Benefits of the HDFC Bank MoneyBack+ Credit Card

3.3% cashback at 5 partners – Amazon, Flipkart, BigBasket, Reliance Smart Superstore, Swiggy (10X)

Earning Reward Points

  • 20 CashPoints worth ₹5, on every ₹150 spent – 3.3% reward. 
  • Monthly limit: 2500 CashPoints, reached at ₹18750 monthly spending 
  • Note: Reward points earned on grocery transactions will be capped to 1000 CashPoints per month.

Redeeming Reward Points

  • 1 CashPoint = ₹0.25 or 25 paise, and can be redeemed as cashback against your credit card statement balance. 
  • CashPoints can also be redeemed against travel benefits and rewards catalogue at the same rate of 1 CashPoint = ₹0.25.

0.33% cashback on other card spends, including UPI spends (X)

  • 2 CashPoints worth ₹0.50, on every ₹150 spent – 0.33% reward
  • Cashback on UPI spends is only applicable on the RuPay version of the card. You can earn a maximum of 500 reward points on UPI spends.

Exceptions 

  • No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI), wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.
  • Effective 1st September, 2024, wallet loading, easy EMI transactions and education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn reward points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points.

For full list of terms and conditions, please click here – HDFC MoneyBack+ Terms & Conditions

Up to 1% additional reward at quarterly card spend of ₹50,000 (milestone benefit)

  • You receive gift vouchers worth ₹500, when you spend ₹50,000 or more on your card in a quarter - 1% reward.

1% fuel surcharge waiver, up to ₹250 per month

Fuel surcharge waiver is applicable at all petrol stations.

  • Valid only on fuel transactions between ₹400 and ₹5000
  • Monthly waiver limit: ₹250, reached at ₹25,000 monthly spend

Up to 10% cashback on a variety of categories and partners – through HDFC Smartbuy platform

  • HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships with a variety of partners. 
  • You get up to 10% cashback on various categories and at various partners, please see details in the table below.

Limits: You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases up to ₹20,000 per month.

CashbackApplicable categories and partners
5% cashback on various travel spends, through HDFC Smartbuy

Exception: On IRCTC train tickets, cardholders get a 1% cashback
  • Flight bookings
  • Hotel bookings
  • IRCTC train tickets
  • Bus tickets, through RedBus
  • MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC Smartbuy

Note: There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
  • Gift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.
5% cashback at select partners, through HDFC Smartbuy
  • Myntra
  • Apple Imagine Tresor
  • Nykaa
  • Zoom Car
10% cashback at select partners, through HDFC Smartbuy
  • Pharmeasy
  • IGP
  • Jockey
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

HDFC Bank MoneyBack+ Credit Card Fees and Charges

Annual fee & offers


Annual feeOffers
1st year joining fee₹500Welcome offer 
  • You get 500 cash points worth ₹125, on payment of 1st year annual fee
Renewal fee from 2nd year onwards₹500Renewal offers
  • Annual fee from the second year onwards is not charged , if you spend ₹50,000 or more in the previous year
  • If you do not qualify for above card spend based annual fee waiver, then you get 500 cash points worth ₹125, on payment of renewal fee
Hence the card is virtually free if you spend ₹50,000 or more each year

Fee on international card transactions 

  • 3.50% of the transaction value

Finance charges 

  • 3.75% per month (45% per year)


Important Note

  • GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
  • To view all/updated fees & charges on this card, please click here

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried – 60 years
Self employed – 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : ₹20,000 per month
Self-employed : ₹ 6 lakhs per year
Credit scoreNot specified, a minimum credit score of 750 is generally preferred

HDFC Bank MoneyBack+ Credit Card vs Competitors

Card Name Annual Fee Benefits

HDFC Bank MoneyBack+ Credit Card

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 500
  • Welcome offer: 500 cash points worth ₹125
  • Renewal offer: Annual fee waived at ₹50,000 yearly card spend
 Special Benefits
  • 3.3% cashback at Amazon, Flipkart, BigBasket, Reliance Smart Superstore, Swiggy (on total purchases up to ₹18,750 per month)
  • Up to 1% additional reward at ₹50,000 quarterly card spend 
  • Low annual spend requirement of ₹50,000 for annual fee waiver

Amazon Pay ICICI Bank Credit Card

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹3,60,000 per year

 Annual Fee - ₹ 0
  • Welcome offers: ₹2000 + ₹500 discount on Amazon Prime membership
 Special Benefits
  • Lifetime free card
  • 5% cashback on Amazon for Amazon Prime members, 3% for non-Prime
  • 2% cashback on 100+ Amazon Pay partners

HDFC Bank Millennia Credit Card

Minimum Income

Salaried - ₹35,000 per month || Self-employed - ₹6 lakhs per year

 Annual Fee - ₹ 1000
  • Welcome offer : 1000 cashpoints worth ₹1000
  • Renewal offer : Annual fee waived on ₹1 lakh annual card spend
 Special Benefits
  • 5% cashback (up to ₹1000 per month) at preferred partners
  • Preferred partners - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber
  •  At quarterly card spend of ₹1 lakh - ₹1000 gift voucher OR Dreamsfolks airport lounge access voucher

Conclusion

Overall, HDFC Bank MoneyBack+ Credit Card provides good cashback benefits for online shoppers. It offers 3.3% cashback on popular platforms such as Amazon, Flipkart, BigBasket, Reliance Smart Superstore and Swiggy, and 1% cashback on all other purchases. 

The annual card spend target of ₹50,000, to get an annual fee waiver (from 2nd year onwards), is not very high.

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Frequently Asked Questions

The minimum income requirement for this card is ₹20,000 per month for salaried persons, and ₹6 lakhs per year for self-employed individuals. You also need to be at least 21 years old, and have a good credit score, preferably above 750.

Yes, you can use the HDFC MoneyBack+ credit card for international transactions. You will be charged a forex fee of 3.50% on the value of all international transactions.

The annual fee charged on the HDFC MoneyBack+ Credit Card is ₹500. You get welcome benefits worth ₹125 on payment of first year annual fee. Annual fee from the second year onwards is waived off if you spend a minimum of ₹50,000 in the previous year.

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