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HDFC Bank Moneyback Credit Card
★★★★★(4.3)Want to earn cashback on every purchase you make? With HDFC Moneyback Credit Card, you can get instant cashback on every spend. You'll earn 4 reward points for every online spend and 2 reward points for every other spend. Plus, you'll get gift vouchers, 20% discounts at restaurants, a welcome bonus of 500 cash points and much more! And all this comes with a joining and annual fee of just ₹500. Keep reading to learn more.
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹500Annual Fee
₹500Annual Percentage Rate
43.2%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
2.50%Reward Point Value
₹0.20Balance more than ₹50000
₹1300Pros
Aspects that make this credit card amazing.
- ⮚Reward points on all purchases.
- ⮚2% cashback on all transactions.
- ⮚No balance transfer charge.
Cons
Aspects this credit card lacks.
- ⮚A rigid and restrictive cashback scheme.
- ⮚Only 0.5% cashback on any other purchases.
- ⮚Limited-time discounts, accessible exclusively to HDFC Bank customers.
- ⮚The waiver of fuel surcharges is only available at certain gas stations.
- ⮚Limited options of restaurants to take advantage of the dining benefits.
HDFC Bank Moneyback Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
If you are an avid online shopper, the HDFC MoneyBack Credit Card could be an excellent option for you. This credit card is designed to provide more reward points for online purchases, making it an ideal choice for those who frequently shop online. Additionally, this credit card is perfect for those who are new to credit and do not want to pay a high annual fee, as it offers decent benefits at an affordable annual fee of just ₹500. With this card, you can enjoy a range of exclusive benefits and rewards, making your online shopping experience even more enjoyable and rewarding.
Overview
| Best For | Cashback and Rewards |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Welcome Benefits | 500 Cash Points |
HDFC Bank Moneyback Credit Card Maximum Cashback
| ELEMENT | REWARD |
|---|---|
| First-year membership fee | Waived |
| Gift certificate | ₹500 |
| Renewal fee cost | Waived |
Who should get an HDFC Bank Moneyback Credit Card?
An HDFC Bank Moneyback Credit Card is recommended for anybody seeking the following possibilities when applying for a credit card:
How to Apply for an HDFC Bank Moneyback Credit Card?
HDFC Bank Moneyback Credit Card Eligibility
- Age: 21 to 65 years
- Occupation: Salaried or Self Employed
- Income: Salaried: ₹25000 p.m., Self-Employed: ITR > ₹6.0 Lakhs p.a.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.