HDFC MoneyBack+
Entry-level cashback with very low waiver bar.
External link to HDFC Bank’s own application page.
The HDFC MoneyBack+ costs ₹500 a year, waived at ₹50,000 annual spend. It earns 5% on shopping and 2% on everything else. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much HDFC MoneyBack+ actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the HDFC MoneyBack+ earn?
What you earn back, by category.
500 CashPoints on first transaction
What do you get with the HDFC MoneyBack+?
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
Who qualifies for the HDFC MoneyBack+?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
HDFC MoneyBack+ FAQ
›What is the HDFC MoneyBack+ annual fee?
The annual fee is ₹500. It is waived if you spend ₹50,000 in a year.
›What does the HDFC MoneyBack+ earn?
It earns 5% on shopping and 2% on everything else.
›What is the HDFC MoneyBack+ forex markup?
The HDFC MoneyBack+ charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the HDFC MoneyBack+?
The stated minimum income is ₹2,40,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the HDFC MoneyBack+ welcome bonus?
500 CashPoints on first transaction.
›Are these HDFC MoneyBack+ figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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