HDFC Bank MoneyBack Plus RuPay Credit Card
Rewards & Benefits
Welcome Benefits
Users will get 500 cash points on payment of the annual fee.
Milestone Benefits
Milestone Benefit: Rs 500 gift voucher on spending Rs 50,000 per calendar quarter on card.
Cashback Rate
Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month).
Value of 1 reward point = INR 0.25.
5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month).
2 cashback points on all other spends, general cashback rate: 0.33%.
Movie Benefits
Dining Benefits
Other Benefits
Annual fee reversal on spending Rs 50,000 and above in a year.
Lounge Access
Fees & Charges
Joining Fee
INR 500
Annual Fee
INR 500
Cash Advance Fee
2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Interest rate
3.6% per month i.e. 43.2% annually
Late Payment Fee
Late Payment Charges: Less than Rs. 100 – Nil Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 to Rs. 25,000 – Rs. 800 Rs. 25,000 to Rs. 50,000 – Rs. 1,100 Above Rs. 50,000 – Rs. 1,300
Foreign Currency Transactions Fee
Foreign Currency Markup: 3.5 % of the transacted amount
Other Fees
Joining/Renewal Membership Fee – ₹500/- | Reissue of Lost, Stolen or Damaged Card: ₹100 | Cash Advance Charges: 2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500) | Rewards Redemption Fee: Rs. 99 per redemption request
Cons
Low general cashback rate.
Limited value adds benefits.
No lounge visit.
No free movie tickets.
Welcome Benefit: Users will get 500 cash points on payment of the annual fee.
Reward System: Reward System: Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%.
Users can link their RuPay credit card directly to their UPI app.
Milestone Benefit: Rs. 500 gift voucher on spending INR 50,000 per calendar quarter on card.
Upto 20% discount on partner restaurants via Swiggy Dineout (20K + restaurants).
Annual fee reversal on spending INR 50,000 and above in a year.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
Salaried: Nationality: Indian, Age: Min 21 years and maximum 60 years.
Income: Gross monthly salary should be greater than INR 20,000
Self Employed: Nationality: Indian, Age: Min 21 years and maximum 65 years.
Income: ITR > INR 6.0 Lakhs per annum
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
HDFC Bank Website: Visit the HDFC Bank website.
Credit Card Section: Click on the "Credit Cards" section.
MoneyBack Plus Card: Select the "MoneyBack Plus Credit Card".
Apply Now: Click on "Apply Now".
Application Form: Fill out the application form with your personal details, income information, and employment details.
Document Upload: Upload scanned copies of the required documents.
Submit Application: Submit the completed application form.
Contact Details
Toll free no. 800 202 6161 / 1860 267 6161
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get 500 cash points on payment of the annual fee.
Reward System: Reward System: Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%.
Users can link their RuPay credit card directly to their UPI app.
Milestone Benefit: Rs. 500 gift voucher on spending INR 50,000 per calendar quarter on card.
Upto 20% discount on partner restaurants via Swiggy Dineout (20K + restaurants).
Annual fee reversal on spending INR 50,000 and above in a year.
Low general cashback rate.
Limited value adds benefits.
No lounge visit.
No free movie tickets.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Application Procedure
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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