Joining Fee:
Apply Now₹500 +GST
Return Percentage:0.5% to 1.5%
Credit Card Overview
An upgraded MoneyBack Plus version delivering higher cashback rates, milestone rewards, and better lifestyle perks for everyday spenders.
Best Suited For: Cashback, Catalogue Products
HDFC
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 0.5% to 1.5%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC MoneyBack Plus credit card — Earn Categories
Where you earn more
- BigBasketF&B · Grocery20 Cashpoints / ₹200
A maximum of 2,500 CashPoints can be earned per calendar month on 10X categories · Minimum ₹200 per transaction
- Reliance Smart SuperstoreOffline · Shopping20 Cashpoints / ₹200
A maximum of 2,500 CashPoints can be earned per calendar month on 10X categories · Minimum ₹200 per transaction
Everyday rate
- Base Rewards2 CashPoints / ₹200
Minimum ₹200 per transaction
6 more earning categories on this card
We track all 9 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Education
- Fuel
- EMI
- Rent
- Government
- Gift Cards
- Wallets