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About Card

HDFC Money Back Credit Card

HDFC MoneyBack is one of the most popular entry-level credit cards by Hdfc Bank which offers cashback on every transaction like 2X reward points on online shopping and 2 reward points on every retail spend, reward points can be redeemed against an array of categories, including cashback, flight/hotel bookings on SmartBuy, and products/vouchers. You also earn gift vouchers every quarter on the basis of your quarterly spending. Money-Back credit card benefits are quite satisfactory as compared to the annual fee. 


1st Year Fee


Best Suited For

HDFC Money Back Credit Card


₹ 500+ taxes as applicable

Reward Point | Cashback

Travel |Shopping| Dining

What you'll love

  • Get 500 Cash Points as a Welcome Benefit with the HDFC MoneyBack credit card
  • 4 Reward Points on every Rs 150 spent online, and 2 Reward Points on every other spend of Rs. 150.
  • Complimentary Gift voucher worth Rs 500 every calendar quarter on the spending of Rs 50,000.
  • Redeem your reward points against exciting rewards and offer on the Smartbuy rewards portal.
  • Spend-Based Waiver on Annual fee.
  • 1% fuel surcharge waiver up to Rs. 250 per month.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For Money Back Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

  • For Self Employed

    Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹6.0 Lakhs per annum

You'll also love

Rewards Benefit

  • Earn 2 reward points for every Rs. 150 spent across all categories
  • Earn 4 reward points per Rs. 150 spent on online transactions.
  • In the Hdfc Money back card, you can convert earned reward points into cashback, as per the below terms and conditions:

Rewards Redemptions:

  • 1 reward point is equal to Rs. 0.20, i.e., 100 reward points are equivalent to Rs. 20 cashback
  • A minimum balance of 2,500 reward points is required to redeem reward points against the statement balance.
  • The points will be converted into cashback only in multiples of 500.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver (max. cashback of Rs. 250) on a minimum transaction of Rs. 400.

Welcome Benefit

  • Get 500 Cash Points at the time of joining after the payment of the membership fee.

Yearly Benefit

  • Get Gift vouchers worth Rs. 500 on spending Rs. 50,000 in each calendar quarter.

Spending Waiver Benefit

  • You Spend Rs. 50,000 in the first year and avail renewal fee waiver on your first-year fee.

Zero Lost Card Liability

  • Report your loss or any fraudulent transaction immediately to avail of this facility.

Why Should You Choose This Card?

HDFC Money back credit card is one of the best cards for the entry-level customer, this card offers cash back on every transaction. Card holders get 2x reward on online shopping & 2 reward point on offline shopping. This credit card comes with very minimum charges and is considered to be the most preferred credit card by customers.


For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 20,000

For Self Employed

  • Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹6 Lakhs per annum

Fees and Charges on the HDFC Money Back Credit Card

Fees & Charges


Joining & Renewal Fees

500+ Taxes (waiver applicable on spending 50000 in first year )

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Finance Charges/Cash Advance Fee

3.60% of the amount

Over Limit Fee

2.50% of the amount

Late Payment Charges

For Amount

  • Less Than Rs 100- Nil
  • Rs 100 to to Rs 500 – Rs 100
  • Rs 501 to  Rs 5000- Rs 500
  • Rs 5001 to Rs 10000- Rs 600
  • Rs 10001 to Rs 25000- Rs 800
  • Rs 25001 to  Rs 50000- Rs  11000
  • Over Rs 50000- Rs 1300

Add On Card Fee


Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

Forigen Currency Markup

3.50% on conversions amount ( plus taxes)

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FAQs on HDFC Money Back Credit Card

  • You can contact to Hdfc bank customer care via different platform like, custmore care no 1800 202 6161/1860 202 6161 (Toll-Free for Mobile & Landlines in India) +91 22 61606160 (When Calling from Outside India) Email us at [email protected]

  • Both online and offline applications for the HDFC MoneyBack Credit Card are accepted. If you want to apply offline, you can fill out the application form in person at the bank branch that is most convenient for you. However, you can go to HDFC Bank's official website to submit an online application.

  • You can make Hdfc Bank Credit Card bill payment through the following medium, if you are account holder you can make payment through you netbanking and mobile banking, and for other customer card payment can be done through Neft/bill desk,aur third party app like cred,phone pay , paytm.

  • Your credit card account does allow cash withdrawals. When you use your credit card to make a cash withdrawal, the bank will impose a cash advance fee of 2.5% or Rs. 500 (whichever is greater). Because of this, you should be aware that credit card cash withdrawals are subject to financing charges starting on the day of the withdrawal and are not covered by the interest-free grace period.

  • You can use internet banking to convert your earned reward points into cash. After logging in, you will find a possibility to convert reward points into cash under the redemption portal. You can click there to exchange your reward points for cashback. Usually within 7 working days, the cash credit is credited.

  • By accessing the official website of HDFC Bank, you can view your credit card statement online. To access your statement, log into your account, choose "Cards," and then click the "Enquire" button. The HDFC mobile banking app also allows you to download your bill statement.

  • Yes, you can use this credit card to turn large purchases into EMIs. This is applicable to the categories of insurance, supplies, medicine, gasoline, utilities, clothing, accessories, education, electronics, and travel. You cannot, however, turn your purchases of gold and jewellery into EMIs.