HDFC Bank Money Back Credit Card

Lounge access

No complimentary airport lounge access is listed for the Money Back Credit Card in the official MITC lounge access section.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source

Forex markup

3.5% of transaction value on foreign currency transactions.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source

Interest-free period

• Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
• Not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5000, maximum waiver of ₹250 per statement cycle.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source

Redemption value

• Cashback redemption against statement balance valued at 15 paise per point for Money Back (w.e.f. 1st November 2025).
• Rewards Redemption Fee ₹99 per redemption request.
• Cashback Redemption Charges ₹50 per cashback redemption.
• Reward Points valid for 2 years from date of accumulation.
• Minimum amount required for cashback redemption: ₹500.
• For flight and hotel bookings, can redeem up to a maximum of 50% of booking value through Reward Points on HDFC Bank Smartbuy.

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source

Reward cap

• Maximum reward points that can be earned in a statement cycle for Money back is 15,000 (Fair Usage Policy).
• Reward Points earned on Grocery transactions capped at 1,000 per month.
• Utility transactions capped at 2000 Reward Points per calendar month.
• Telecom transactions capped at 2000 Reward Points per calendar month.
• Insurance transactions capped at 2000 per month (w.e.f. 1st July 2025).

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source

Reward exclusion

Verified · MITC – Most Important Terms & Conditions (Personal Credit Cards, English) – covers MoneyBack · 2026-08-03 · source