Which kinds of transactions are ineligible for reward points on the HDFC MoneyBack Plus Credit Card?

You cannot earn cash points on this card on transactions for prepaid card reloads, fuel purchases, cash advances, voucher purchases, clearing outstanding dues, etc.

Can I use my Moneyback Plus Credit Card for cash withdrawals?

Yes, you can withdraw cash using the Moneyback Plus credit card. However, you must pay an advance charge of either 2.5% or ₹500, depending on the amount.

What to do if I lose my HDFC Moneyback Plus Credit Card?

In case you lose your money plus credit card, call 1800 2600 or 1800 1600 and submit a report.

What is the maximum limit of Moneyback Plus credit cards by HDFC?

The HDFC Moneyback Plus credit card limit depends on your monthly income, credit score, payment history, etc. Once applied for, the bank examines these factors and assigns a credit limit to you.

Is there any renewal benefit on the HDFC Moneyback Plus credit card?

You get 500 cash points as a bonus every time you renew your MoneyBack Plus credit card.

HDFC Moneyback Plus Credit Card: Features, Charges and Application Steps

Name: HDFC Moneyback Plus Credit Card
Brand: Credit Card
Rating: 4.9 (11138 reviews)

Struggling to find a credit card that rewards your everyday spending without high fees? The HDFC Moneyback Plus credit card can be a great deal for you as it comes with greater benefits and nominal charges.

With more than 2 crore active credit cards, HDFC cardholders in India trust their services for reliable rewards and maximum value.

Exclusive Features of HDFC Moneyback Plus Credit Card

HDFC Moneyback Plus credit card benefits include cash and reward points, gift vouchers and discounts for eligible online and offline transactions:

Key features	Description
Cash Points	Get 10X cash points on purchasing items from Flipkart, Amazon, BigBasket, Swiggy and Reliance Smart SuperStore.
Cash Points	For other spends, get 2 cashpoints for every transaction of at least ₹150.
Discounts	Use the code ‘HDFCCARDS’ and avail an additional 10% discount on ‘Swiggy Dinouts’.
Gift Voucher	Avail a gift voucher of ₹500 by spending ₹50,000 in a single calendar quarter.
Reward points for RRuPay cardholders	Get 2 reward points for spending ₹150 every time. Note that this is capped at 500 points for a calendar month.

Added Benefits of HDFC Moneyback Plus Credit Card

The added features of zero lost card liability, revolving credit and the interest-free period enhance your HDFC Moneyback Plus Credit Card usage experience by 2-fold:

Zero liability: If you lose or misplace your credit card, report it immediately. This way, you carry no liability if fraudulent transactions happen on your card.
Revolving Credit: Experience the benefits of revolving credit at a competitive 3.75% interest rate.
Interest Free Period: Get the card and enjoy an interest-free period of 50 days after activation.

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Applicable Fees and Charges on HDFC Moneyback Plus Credit Card

To get HDFC Moneyback Plus credit card, you need to pay the joining fee of Rs. 500 + GST. There are some other charges such as renewal charges, cash advance fee, fuel surcharge waiver, etc. Check out this table to know details:

Types of Charges	Amount
Joining charges	₹500 with applicable GST
Renewal charges	₹500 with GST (Waived off upon spending ₹50,000 in a year).
Cash advance fee	2.5% on the withdrawn amount or ₹500 (whichever is higher).
Fuel surcharge waiver	1%
Fee for foreign currency markup	A 3.5% charge is applicable on the transacted amount.
Late payment fees	No penalty for amounts below ₹100.
	A ₹100 penalty applies for a pending amount between ₹100 and ₹500.
	Pay ₹500 for amounts between ₹501 and ₹5000.
	Pay ₹600 for pending amounts between ₹5,001 and ₹10,000.
	A ₹800 fee applies for due amounts between ₹10,001 and ₹25,000.
	A penalty of ₹1,100 applies for dues between ₹25,001 and ₹50,000.
	For amounts due over ₹50,000, pay a penalty of ₹1,300.

Eligibility Criteria and Documents to Get an HDFC Moneyback Plus Credit Card

HDFC Bank has specified eligibility to apply for the Moneyback Plus credit card. Here is all you need to know:

You must be a resident Indian to apply
For salaried applicants, age must be between 21 and 60 years and a monthly income of more than ₹20,000.
For self-employed, the age limit is between 21 and 65 years, and the income tax Return should be beyond ₹6.0 lakh P.A.

Documents Required to Apply for HDFC Moneyback Plus Credit Card

Produce your voter ID, driving licence or Aadhaar Card, etc., for identity verification.
Provide a copy of your PAN card, passport or utility bill for address verification.
You must produce either a copy of your salary slip (not older than 3 months) or a copy of Form 16 as proof of income.

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Process to Apply for the HDFC Moneyback Plus Credit Card

You can apply for HDFC Moneyback Plus credit card on the <a href="https://applyonline.hdfcbank.com/cards/credit-cards.html" target="_blank" rel="nofollow noopener noreferrer">Official Website of HDFC Bank</a>. This is what you’ll do next:

Step 1: Type in your mobile number, date of birth, agree with the terms and conditions and click on ‘Get OTP’.
Step 2: Enter your basic details, PAN number and communication address and other details on the next page and proceed.
Step 3: You will see the eligible credit cards for application. Choose your preferred one and submit.
Step 4: The bank will review your application and, if approved, will ship your HDFC Moneyback Plus credit card to your address.

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