HDFC Bank
VISA•••• •••• •••• 4242
HDFC Bank MoneyBack Credit Card
HDFC Bank MoneyBack Credit Card
HDFC Bank
Annual Fee
₹500
Effective Rate
0.20%
Network
VISA
Point Value
₹0.20/pt
About HDFC Bank MoneyBack Credit Card
Entry cashback card. 2X RP/₹150 on online spends (cap 500 RP/statement). 1 RP/₹150 other spends. 1 RP = ₹0.25 catalogue / ₹0.20 SmartBuy / ₹0.15 cashback. ₹500 voucher on ₹50K quarterly spend. Good Food Trail 20% Dineout off. PayZapp ₹1,000 cashback. SmartBuy up to 10%.
Best For
Pros & Cons
thumb_upPros
- check_circleGood Food Trail / Dineout – Up to 20% Off
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.20 — an effective return of 0.20% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 1.33% | 133 pts≈ ₹27 |
| All other spends | 0.67% | 67 pts≈ ₹13 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Card Benefits
Good Food Trail / Dineout – Up to 20% Off
Up to 20% off on dining via Good Food Trail/Swiggy Dineout.
PayZapp ₹1,000 CashBack
₹1,000 CashBack on in-app shopping across 200+ brands via PayZapp.
SmartBuy – Up to 10% Cashback
Up to 10% cashback on flights, hotels, gift vouchers and more via SmartBuy.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver (min ₹400; max ₹250/statement cycle).
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹50,000 (QUARTERLY)
₹500 gift voucher on ₹50,000 quarterly spend.
Spend ₹50,000 (ANNUAL)
Renewal fee waived on ₹50,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹500 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank MoneyBack Credit Card.
Ready to apply for HDFC Bank MoneyBack Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.