HDFC Bank MoneyBack+ Credit Card

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charges: 3.75% per month (45% per annum) on revolving credit, applicable to all retail & cash transactions.
• Overlimit charges: 2.5% of overlimit amount, minimum ₹550.
• Payment Return Charges: 2% of payment amount, minimum ₹450.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per redemption request.
• CashBack (statement credit) redemption fee: ₹50 (w.e.f 1st Aug 2024).
• Easy-EMI Processing Fee: up to ₹299.
• Rent Pay Transactions: 1% fee (capped ₹3000/txn, w.e.f 1st Aug 2024).
• Fuel: 1% fee on consumer-card fuel spends over ₹15,000/txn (capped ₹3000).
• Utility: 1% fee on spends over ₹50,000/txn (capped ₹3000).
• Education (third-party apps): 1% fee (capped ₹3000/txn).
• Dynamic Currency Conversion Markup: 1% (revised to 1.75% w.e.f 15th May 2026).
• Card re-issuance fee: ₹199 (non-metal) / ₹3,500 (metal).
• Late Payment Charges by slab: <=₹100 Nil.
• ₹101-500 ₹100.
• ₹501-1000 ₹500.
• ₹1001-5000 ₹600.
• ₹5001-10000 ₹750.
• ₹10001-25000 ₹900.
• ₹25001-50000 ₹1100.
• >₹50000 ₹1300.
• All fees subject to GST.

Verified · Terms & Conditions – HDFC Bank MoneyBack+ Credit Card (incl. Rewards/CashPoints Terms) · 2026-08-02 · source

Interest-free period

• Up to 50 days interest-free credit period (ranges from 20 to 50 days), subject to the scheme applicable and submission of claims by the merchant.
• Not applicable if previous balance is not cleared in full or cash is availed from ATM.

Verified · MITC – Fees & Charges (MoneyBack+ Credit Card, v2.4, Jan 2025) · 2026-08-02 · source

Fuel surcharge waiver

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source

Milestone benefit

• Renewal Benefit of 500 CashPoints on payment of membership fee.
• And a ₹500 gift voucher on achieving net spends of ₹50,000 within a calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec).
• Voucher message triggered to registered phone/email within 60 working days.
• Valid 120 days from triggered date.

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source

Redemption value

• 1 CashPoint = up to ₹0.25 for redemption against statement balance (via Net Banking, Phone Banking or physical redemption form).
• Minimum 2,000 CashPoints (equivalent of ₹500) required for statement redemption.
• A ₹50 redemption fee applies for statement-credit (CashBack) redemption (w.e.f 1st Aug 2024).
• ₹99 + Taxes handling charge for reward catalogue redemption.
• For flights & hotels via SmartBuy, up to 50% of booking value redeemable at 1 CashPoint = up to ₹0.25.
• Unredeemed CashPoints expire after 2 years of accumulation.
• Redemption caps: flights/hotels 50,000 per month (w.e.f 1st Jan 2023).
• CashBack 50,000 per month (w.e.f 1st Feb 2023).
• Up to 70% of product/voucher value via points on select vouchers.

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source

Reward cap

• Maximum 2,500 CashPoints per calendar month under the 10X feature.
• Maximum 15,000 reward points per statement cycle overall.
• Grocery transactions capped at 1,000 reward points per month (w.e.f 1st Jan 2023).

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source

Reward exclusion

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source

Dining benefit

10% additional discount on Swiggy Dineout using coupon code HDFCCARDS.

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source

Travel benefit

• CashPoints can be redeemed against Flight & Hotel bookings via SmartBuy Rewards Portal at 1 CashPoint = ₹0.25, up to a maximum of 50% of booking value.
• Rest paid via the HDFC Bank Credit Card.
• Flights & hotels redemption capped at 50,000 reward points per calendar month (w.e.f 1 Jan 2023).

Verified · Terms & Conditions – HDFC Bank MoneyBack+ Credit Card (incl. Rewards/CashPoints Terms) · 2026-08-02 · source

Insurance

• Zero lost card liability: after reporting the loss to the 24-hour call centre, the cardmember's subsequent liability is zero.
• Optional insurance product may be availed at cardholder's discretion to cover liability arising from fraudulent transactions.

Verified · MITC – Fees & Charges (MoneyBack+ Credit Card, v2.4, Jan 2025) · 2026-08-02 · source

Eligibility

• Salaried: Age min 21 & max 60 years, Gross Monthly Income > ₹20,000.
• Self Employed: Age min 21 & max 65 years, ITR > ₹6 Lakhs per annum.

Verified · MoneyBack+ Credit Card product page · 2026-08-02 · source