Entry-level rewards card offering 10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart.
₹500
One-time upfront₹500
Waived on ₹50,000 annual spend2 CashPoints per ₹150 spent
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HDFC Bank MoneyBack+ Credit Card is a mainstream entry-level reward card engineered for everyday household spending. It offers 10X CashPoints on 5 major online platforms: Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart SuperStore. With 1 CashPoint valued at ₹0.25 across statement credit and SmartBuy, this structure delivers an effective 3.33% valueback on primary groceries, online food delivery, and e-commerce. It also provides 5X CashPoints (1.67% return) on merchant EMI transactions and up to ₹2,00,0 in annual milestone vouchers (₹500 per quarter on ₹50,000 spend). The ₹500 annual fee is waived on an accessible ₹50,000 annual spend threshold. The card's primary drawbacks are a low base rate of 0.33% (2 CashPoints per ₹150) on non-partner spending, a 2,500 CashPoint monthly ceiling on 10X categories (capping accelerated rewards at ₹7,500 monthly spend), a ₹99 + GST redemption fee, and the complete absence of airport lounge access. Who should get it: Beginners and households seeking an entry-level card for routine groceries and essential online shopping who spend at least ₹50,000 annually. Who should avoid it: Cardholders spending more than ₹15,000 monthly who qualify for HDFC Millennia or Cashback SBI, which offer flat 5% direct cashback.
Earn 10 CashPoints per ₹150 (3.33% valueback) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy, capped at 2,500 CashPoints/month.
Earn 5 CashPoints per ₹150 (1.67% valueback) on merchant EMI transactions at participating stores, capped at 2,500 CashPoints/month.
Receive a ₹500 gift voucher upon spending ₹50,000 in each calendar quarter, yielding up to ₹2,000 in vouchers every year.
Budget-friendly ₹500 annual fee is waived upon spending ₹50,000 in an anniversary year.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Partners (Amazon, BigBasket, Flipkart, Reliance Smart, Swiggy) | 10X CashPoints (3.33% valueback) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy (max 2,500 pts/month) | 2,500 CashPoints/mo | Standard terms apply |
| Merchant EMI Transactions | 5X CashPoints (1.67% valueback) on merchant EMI transactions (max 2,500 pts/month) | 2,500 CashPoints/mo | Standard terms apply |
| Other Retail Spends | 2 CashPoints per ₹150 spent on other retail transactions (0.33% valueback) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Partners (Amazon, BigBasket, Flipkart, Reliance Smart, Swiggy) | ₹6,000 | 10X CashPoints (3.33% valueback) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy (max 2,500 pts/month) | — | ₹2,500/monthly | Calculating... | Under cap |
| Merchant EMI Transactions | ₹6,000 | 5X CashPoints (1.67% valueback) on merchant EMI transactions (max 2,500 pts/month) | — | ₹2,500/monthly | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 CashPoints per ₹150 spent on other retail transactions (0.33% valueback) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Receive a ₹500 gift voucher on spending ₹50,000 in each calendar quarter (up to ₹2,000 vouchers/year).
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Rewards Structure: 10X CashPoints (3.33% return) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy (capped at 2,500 CashPoints per calendar month). 5X CashPoints (1.67% return) on merchant EMI transactions (capped at 2,500 CashPoints per calendar month). 2 CashPoints per ₹150 spent on all other eligible retail transactions (0.33% return). Point Valuation & Redemption: 1 CashPoint = ₹0.25 when redeemed for statement credit, gift vouchers, or SmartBuy travel bookings. Minimum redemption threshold of 500 CashPoints for statement credit. ₹99 + GST reward redemption processing fee applies per request. Milestone Benefits: ₹500 gift voucher on achieving ₹50,000 or more in retail spending every calendar quarter (up to ₹2,000 annually). Fee & Waiver: Joining fee ₹500 + GST (500 CashPoints welcome benefit upon fee payment). Annual renewal fee of ₹500 + GST waived on spending ₹50,000 or more in the preceding 12 months. Lounge & Fuel: No complimentary domestic or international airport lounge access. 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹250 per statement cycle). Exclusions: Fuel spends, wallet loads, rent payments, government transactions, and education fees do not earn CashPoints and do not count toward fee waivers.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HDFC Bank MoneyBack+ Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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