HDFC Bank MoneyBack Credit Card: Features & Benefits

Summary

The HDFC Bank MoneyBack Credit Card is offered to provide its users with many benefits, and the card would thus be quite an attractive one for those seeking maximum spending rewards. The card has a good feature in the form of a reward points system. For every ₹150 spent, the cardholders earn 2 reward points that can be used to acquire gifts, shopping vouchers, or even cashback. 

The welcome benefits feature some immediate value, especially to the new cardholders, with bonus reward points, hence adding it immediately upon activation. The fuel charge is waived while transacting on fuel at selected petrol stations, thus adding another benefit to those who travel quite often.

For people who incur major purchases throughout the year, the card waives the annual fee if spending exceeds a certain limit. This is effective for users who maintain a consistent usage pattern of the card.

Introduction

As long as the lifestyles of people grow fast, in today’s day and age credit cards have truly become a rather convenient financial tool. Not just making shopping quite easy, utilizing these cards delivers many wonderful perks. Alongside this, HDFC MoneyBack Credit Card can prove to be quite a better deal. HDFC MoneyBack Credit Card has been specially meant for those who shop regularly to avail of different sorts of cashback and rewards.

The special feature of HDFC MoneyBack Credit Card is its cashback program. Cardholders get the facility of cashback on their expenses made by them, which turns their every expenditure into a profitable investment. A feature of HDFC MoneyBack Credit Card is that its cashback is transferred directly to your account, which is easy.

HDFC MoneyBack Credit Card also offers HDFC Bank to its customers many additional facilities. It includes different reward points, special offers, and discounts, which help cardholders enjoy a successful shopping experience. Apart from this, HDFC MoneyBack credit card also offers its customers security features as well as travel insurance, rental car insurance, and many other benefits, which make the travel and transactions of cardholders safe.

In today’s article, we will be talking in complete detail about HDFC MoneyBack credit cards. In which we will let you know in full detail what its benefits are. Along with this, we will also discuss in this article about the fees of HDFC MoneyBack credit cards and let you know in detail how to apply for them. So read this article till the end so that you do not face any problems later.

What is the HDFC Bank MoneyBack Credit Card?

HDFC MoneyBack Credit Card is a special credit card that provides a cashback facility to customers for their spending. HDFC MoneyBack Credit Card is specifically designed for frequent shoppers who want returns on their spending.

Along with this, customers also get many other benefits like reward points, special offers, and discounts with HDFC MoneyBack Credit Card. Along with this, HDFC MoneyBack Credit Card also offers services like security features, travel insurance, and 24/7 customer care, which ensures the safety and convenience of cardholders.

How is the design of the HDFC Bank MoneyBack Credit Card?

The HDFC MoneyBack Credit Card has sleek and modern designs. It features an attractive blue backdrop with a watermark pattern, which can give this card an uptown feel and appeal. The HDFC Bank logo is displayed at the top end, and the Visa or Mastercard logo is at the bottom depending on the variant of the card.

In the middle, there are the card number, the cardholder’s name, and the expiry date, all neatly printed. To the left, it has a chip for secure transactions. In a general view, the design is simple but elegant, which gives it a professional look with easy use.

What are the benefits of the HDFC Bank MoneyBack Credit Card?

Some of the other benefits are:

1. Reward points on purchases: For any amount over ₹150 spent on the card, you earn 2 reward points. You can use these for gifts, shopping vouchers, or even cashback.

2. Bonus Points: For online purchases, 5x reward points are awarded to specific spending. With this, you will get the utmost benefit while ordering things from the internet.

3. Cashback: You can get cashback on selected categories, including dining. This makes the card good for daily usage.

4. Welcome Benefits: New applicants are given reward points at the time of addition as welcome benefits, and you can redeem them immediately.

5. Fuel Surcharge Waiver: Fuel surcharge on purchasing fuel from specific petrol stations gets waived, making it economical whenever you are filling up your vehicle.

6. Annual Fee Waiver: You can waive the annual fee on the card if you spend a specific amount in a year.

What are the fees for the HDFC Bank MoneyBack Credit Card?

Here is a simple breakup of the HDFC MoneyBack Credit Card fees.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend 50,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (43% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank MoneyBack Credit Card?

The following are the primary requirements:

1. To apply for the HDFC MoneyBack Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Bank MoneyBack Credit Card?

The documents that you will have to submit to get an HDFC MoneyBack Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank MoneyBack Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC MoneyBack Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  HDFC MoneyBack Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  HDFC MoneyBack Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank MoneyBack Credit Card?

The credit amount you can spend is what you are provided with an HDFC MoneyBack Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HDFC Bank MoneyBack Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the  HDFC MoneyBack Credit Card.

• Just hover your cursor on the HDFC Bank MoneyBack Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC MoneyBack Credit Card.

• Request for the credit card application form of the HDFC MoneyBack Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC MoneyBack Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank MoneyBack Credit Card in 2025 be right?

Yes, getting an HDFC Bank MoneyBack Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

After reading the features and benefits of HDFC MoneyBack Credit Card, it is evident that HDFC MoneyBack Credit Card is a very beneficial financial tool. The biggest feature of HDFC MoneyBack Credit Card is its cashback program, which offers customers the opportunity to earn money back directly on their purchases. This cashback not only allows saving money on every petty expense but also allows making every expense into a profitable investment.

Along with this, the reward points and special offers available with HDFC Bank MoneyBack Credit Card encourage cardholders and make shopping smoother for them. HDFC MoneyBack Credit Card is ideal for all kinds of transactions, be it online shopping, dining, entertainment, or travel. Along with this, this credit card offers security features like travel insurance, rental car insurance, and emergency assistance, which will keep your transactions and journey safe.

The 24/7 customer service of HDFC Bank is also one of the most important advantages. With this service, cardholders can get immediate resolution of any problem or query, which further enhances the customer experience. Other than this, cardholders also get various offers and discounts, which make their financial management even easier and beneficial.

Frequently Asked Questions (FAQ’s)