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HDFC Bank MoneyBack Plus Credit Card

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MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

HDFC Bank MoneyBack Plus Credit Card

Bank Name :

HDFC Bank

प्रकार

Lifestyle Credit Card

ब्याज दर

3.6% per month i.e. 43.2% annually

पात्रता

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

HDFC Bank MoneyBack Plus Credit Card
पेशेवरों

  • Welcome Benefit: 500 cash points on payment of annual fee.

  • Reward System: 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%

  • Milestone Benefit: INR500 gift voucher on spending INR 50,000 per calendar quarter on card.

  • Get upto 20% discount on partner restaurants via Swiggy Dineout (20K + restaurants). 

  • Annual fee reversal on spending INR 50,000 and above in an year.

दोष

  • Low general cashback rate. 

  • Limited value add benefits.

  • No lounge visit.

  • No free movie tickets. 

पक्ष विपक्ष
Welcome Benefits

Welcome Benefit: 500 cash points on payment of annual fee. Value of 1 point = INR 0.25


पुरस्कार प्रणाली

  • Reward System: 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%

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

Bank charges Cross Currency mark-up fees of 3.5% on the transaction value

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

Reward System: 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). 

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

फ़ायदे

  • Decent special cashback rate.

  • Milestone benefit every quarter. 

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  1. HDFC Bank Website: Visit the HDFC Bank website.

  2. Credit Card Section: Click on the "Credit Cards" section.

  3. MoneyBack Plus Card: Select the "MoneyBack Plus Credit Card".

  4. Apply Now: Click on "Apply Now".

  5. Application Form: Fill out the application form with your personal details, income information, and employment details.

  6. Document Upload: Upload scanned copies of the required documents.

  7. Submit Application: Submit the completed application form.

सम्पर्क करने का विवरण

Toll free no. 800 202 6161 / 1860 267 6161

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefit: 500 cash points on payment of annual fee.

  • Reward System: 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%

  • Milestone Benefit: INR500 gift voucher on spending INR 50,000 per calendar quarter on card.

  • Get upto 20% discount on partner restaurants via Swiggy Dineout (20K + restaurants). 

  • Annual fee reversal on spending INR 50,000 and above in an year.

  • Low general cashback rate. 

  • Limited value add benefits.

  • No lounge visit.

  • No free movie tickets. 

The HDFC Bank MoneyBack Plus Credit Card can be a good option for individuals who want a basic card with cashback on all purchases and additional benefits like fuel surcharge waiver and global acceptance. However, the high interest rate and annual fee are factors to consider before applying. Compare this card with other options to make an informed decision.

HDFC Bank MoneyBack Plus Credit Card

Abhijeet Saxena

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • Joining/Renewal Membership Fee – ₹500/-  

  • Reissue of Lost, Stolen or Damaged Card: ₹100

  • 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 Markup: 3.5 % of the transacted amount

  • Interest Rates: 3.6% per month (or 43.2% annually) 

  • 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

ईंधन अधिशुक्ल

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

Billing Cycle

30 Days

फीस एवं प्रभार
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