HDFC MoneyBack+ Credit Card

The key highlights of the HDFC MoneyBack Plus credit card are given below:

CashPoints

• 10X CashPoints on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore, and Swiggy.
• 5X CashPoints on EMI spends at merchant locations.
• 2 CashPoints on spending per Rs. 150 on other categories (excluding fuel, wallet loads, prepaid card loads, and voucher purchases).
• 1 CashPoint = Rs. 0.25.
• With effect from 1.01.2023, rent payments & government-related transactions will not earn reward points and reward points earned on grocery transactions will be limited to 1,000 per month.

Welcome & Milestone Benefits

• 500 CashPoints as a welcome gift on payment of the Money Back Plus credit card membership fee.
• Rs. 500 (up to Rs. 2,000 in a year) gift voucher on spending Rs. 50,000 or above per calendar quarter.

Dining Benefit

• Amazing dining benefits with the Good Food Trail program.
• Up to 20% discount on all bill payments at 20k+ partner restaurants via Swiggy Dineout. 
• Offer inclusive of Restaurant and Swiggy Discount. 
• Offer valid only on payments done through Swiggy App.

Fuel Surcharge Waiver

• As a part of HDFC MoneyBack Plus credit card benefits, you get 1% fuel surcharge waiver on fuel transactions 
• The minimum transaction value should be Rs. 400 and maximum up to Rs. 5,000. 
• Maximum waiver available up to Rs. 250 per statement cycle.

Other Benefits

• Convert big purchases into SmartEMI & repay in 6 to 24 months.
• Zero lost card liability in the unfortunate event of losing your HDFC Bank Moneyback+ Credit Card. 
• Up to 50 days of interest-free period from the date of purchase.
• Revolving credit facility available at nominal interest rate. 

Joining & Annual Fees

• Joining membership fee: Rs. 500 + applicable taxes.
• Renewal membership fee: Rs. 500 + applicable taxes. The renewal fee is waived on spending Rs. 50,000 and above in an annual year.

• You can redeem your accumulated CashPoints on Product Catalogue, Unified SmartBuy (Flights/Hotels), Cashback, or Airmiles at a value of 1 RP = Rs. 0.25.
• Redemption can be done via Net Banking, Phone Banking, or physical redemption form. 
• With effect from 01.01.2023, reward points redemption for booking flights & hotels are capped at 50,000 per calendar month.
• With effect from 01.02.2023, cashback redemption is capped at 50,000 reward points per calendar month.
• With effect from 01.02.2023, you can redeem up to 70% of product/voucher value via reward points on select vouchers/products and pay the remaining amount through credit card.
• For redemption against the statement balance, you must have minimum CashPoints equivalent to Rs. 500.
• Earned CashPoints are valid for 2 years from the date of the transaction.

The HDFC MoneyBack+ Credit Card fees and charges are mentioned below in detail:

• Joining fee: Rs. 500 + applicable taxes.
• Annual fee: Rs. 500 + applicable taxes. 
• Add-on card fee: Nil.
• Foreign currency markup: 3.5% of the transaction value.
• Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
• Rewards redemption fee: Rs. 99 per redemption request.
• Cash advance fee: 2.5% or Rs. 500, whichever is higher. 
• Cash processing fee: Rs. 100 will be charged for all card payments in HDFC Bank branches or ATMs.
• Payment return charges: 2% of the payment amount (minimum Rs. 450).
• Railway ticket purchase fee: 1% of the transaction amount + GST. Reversed after the transaction. 
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher. 
• Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST.
• Smart EMI processing fee: Rs. 499 + GST
• Rent pay transaction fee: 1% fee of transaction amount. 
• Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the principal outstanding.
• Reissuance of lost/ stolen/ damaged card: Rs. 100
• Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
• Card validation charges: Rs. 2.
• Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup fee: 1%.

Below are the HDFC MoneyBack+ Credit Card eligibility criteria:

Eligibility for Salaried Applicant

• Nationality: The applicant should be an Indian national. 
• Age: The applicant must be aged at least 21 years and a maximum of 60 years.
• Net Monthly Income: The gross monthly income of the applicant should be more than Rs. 25,000.

Eligibility for Self-employed Applicant

• Nationality: The applicant should be an Indian national. 
• Age: The applicant must be aged at least 21 years and a maximum of 65 years.
• Income: Income Tax Returns (ITR) of the applicant should be more than Rs. 6 Lakhs per annum.

Additional info: Check HDFC bank credit card eligibility in detail.

You need to submit the following documents to apply for an HDFC MoneyBack Plus Visa card:

• Proof of identity: PAN Card, Aadhar Card, Passport, Driving License, Voter ID Card, etc.
• Proof of address: Passport, Aadhar Card, Driving License, Voter ID Card, Ration Card, Utility Bill Payment, Bank Account Statement, Property Registration Document, etc.
• Proof of income: Last 2 months' salary slips, Form 16, and the previous 3 months' bank account statement.

Follow the steps given below to track your HDFC MoneyBack Plus Credit Card application status:

• Visit the HDFC net banking portal by using your login credentials.
• Go to the 'Credit Cards' section given under the 'Products' tab.
• Then click on the 'Important Links' option.
• Click on the 'Track your Credit Card Application Status'.
• Enter a few basic details like application reference number, your mobile number, date of birth, etc.
• Click on the 'Submit' button to view your HDFC MoneyBack Plus Credit Card application status.

Additional Info: Check the status of your HDFC bank credit card application

If you have any query, complaint, or feedback regarding your HDFC MoneyBack+ Credit Card, you can contact the 24/7 customer care number of HDFC Bank at 1800-266-4332. Apart from this, you can send an email to customerservices.cards@hdfcbank.com.

Additional Info:  Details of HDFC Credit Card Customer Care