HDFC Moneyback Plus Credit Card | Benefits, Limits and Online Apply

HDFC Moneyback Plus Credit Card can consider an improved version of HDFC Moneyback Credit Card, which was earlier issued by the bank. While both the cards come with the same inclusion and annual fee (Rs 500), the MoneyBack Plus Card offers a higher reward rate. With this card, you can earn a maximum of 20 cash points on every Rs. 150 which will cost you dearly.

You can redeem these cash points for card statement balance, product catalogue, airmiles and many more options. Not only cashback, but you can also get a maximum of Rs. You can also get gift vouchers worth ₹2,000 for achieving specified spending milestones.

Talking about the dining benefits offered by the card, you can avail up to 15% discount on dining at 2,000 premium restaurants across the country. The HDFC MoneyBack Plus Credit Card allows its customers to save in a number of ways, including fuel surcharge waiver, cost-based annual fee waiver, etc.

To understand the features of the card in detail, check out the full HDFC MoneyBack Plus Credit Card review given below.

What is HDFC Moneyback Plus Credit Card:-

HDFC MoneyBack Plus Credit Card is a cashback credit card offered by HDFC Bank, one of the largest private sector banks in India. It is designed to provide users with cashback rewards on their everyday spends, making it an ideal option for those who frequently use their credit cards for shopping, dining and entertainment.

Here are some of the key features and benefits of the HDFC MoneyBack Plus Credit Card:

1. Cashback Rewards: The card offers 2 reward points for every Rs. 150 spent on the card. These reward points can be converted into cashback at the rate of Rs. 1 for every 4 Reward Points.
2. Welcome Offer: HDFC MoneyBack Plus Credit Card up to Rs. Welcome offer up to Rs. 2,800 cashback when you spend Rs. 10,000 within the first 90 days from the date of issue of the card.
3. Fuel Surcharge Waiver: You can get Rs. Can enjoy waiver of fuel surcharge of up to Rs. 250 per billing cycle on fuel transactions up to Rs. 5,000 across all fuel stations in India.
4. Contactless Payments: The HDFC MoneyBack Plus Credit Card comes with contactless payment technology, allowing you to pay quickly and conveniently by tapping your card at the point of sale terminal.
5. Zero Liability: You are not liable for any fraudulent transactions done on your HDFC MoneyBack Plus Credit Card.
6. Other benefits: The card also offers exclusive access to airport lounges along with discounts on dining, shopping and entertainment at partner outlets.

Overall, the HDFC MoneyBack Plus Credit Card is a good option for those looking for a cashback credit card that offers rewards on everyday spends. However, it is important to note that the card comes with an annual fee of Rs. 500, which may not be suitable for those looking for a no-fee credit card.

HDFC Moneyback Plus Credit Card Features and Benefits:-

HDFC MoneyBack Card, just like the original MoneyBack Card, is one of the most popular cash back credit cards in the Indian market. You get cashback in the form of Cash Points on all categories of card spends.

Apart from earning cash points, the card also offers other benefits like gift vouchers (for achieving specified cost milestones), dining discounts, fuel surcharge waiver etc.

Welcome Benefits:

• On successful payment of joining fee, you will receive 500 Cash Points as a welcome gift.
• You will also get 500 cash points every year on card renewal.

Milestone Benefits:

• You get Rs. Receive a valuable gift voucher. 500 at a price of Rs. Fifty thousand or more per calendar quarter.

Benefits of food:

• Enjoy up to 15% off on dining at over 2,000 premium restaurants when you pay with your MoneyBack Plus Credit Card.

Fuel Surcharge Waiver:

• 1% fuel surcharge is waived off on all fuel transactions when you pay using your HDFC MoneyBack Plus Credit Card.
• The maximum surcharge waiver is Rs. 250 per billing cycle for this card.

Expenditure based renewal fee waiver

• Renewal fee of Rs. Five hundred were waived if you had spent Rs 50,000 or more in the previous anniversary year.

HDFC Moneyback Plus Credit Card Reward Points and Cashback:-

• You get 2 Cash Points by spending Rs. 150.
• You get 5 cash points (10 CP at Rs.150) in EMI spend at your choice of business locations.
• The maximum cash points in this category are limited to 2,500 points per month.
• You get 10 Cash Points (20 CP for Rs 150) on spend at Amazon, Flipkart, Big Basket, Reliance Smart Superstore and Swiggy.
• Cash bonus points in this category are limited to 2,500 points per month.
• These Cash Points are valid for two years from the date of accumulation.
• No cash points on fuel transactions, wallet top-ups, and coupon purchases.

HDFC Moneyback Plus Credit Card Reward Points/Cashback Redemption:-

• 1 Cash Point = Re. 0.25 statement for redemption against cash.
• You can redeem points against cash credit by logging into your net banking account, and you must have at least 500 cash points.
• One cash point = re. 0.25 for the redemption of flight/hotel bookings on Smartbuy.
• Up to 50% of bookings can make through cash points, and It must pay the balance through the cardholder account.
• One cash point = re. 0.25 for redemption against the product catalogue.
• One cash point = 0.25 for redemption against airmail.

HDFC MoneyBack Plus Credit Card Limit:-

HDFC Bank does not disclose the credit limit offered to HDFC Plus Credit Cardholders, as there is no set limit for each, and it varies from cardholder to cardholder. Factors affecting your credit card limit include your credit score, past payment history, income, etc.

If you are a high income candidate or have an excellent credit score, you will get a higher credit limit than your credit limit.

If your credit limit is low, you should try to build a good score and apply for a higher credit limit.

You can contact the customer care of your bank, fill the online application form or visit a branch to upgrade the card.

HDFC Moneyback Plus Credit Card Fees and Charges:-

• HDFC Bank MoneyBack Plus Credit Card Annual fee Rs. 500. This annual fee will be waived from the second year onwards if you have spent Rs.50,000 or more in the previous year.
• The interest rate on this card is 4.6% per month and 43.2% per annum.
• The foreign exchange markup fee on the MoneyBack Plus Card is 3.5% on all foreign currency transactions.
• 2.5% of the cash withdrawal fee on this credit card subject to a minimum of Rs. 500.
• This fee was levied when you used to withdraw cash using your MoneyBack Plus card.

HDFC Moneyback Plus Credit Card Eligibility:-

The following table describes the income-based and age-based eligibility criteria for HDFC MoneyBack Plus Credit Card:

• Salary recipients should be between 21 to 60 years of age, with a minimum income of Rs.20,000 per month.
• Self-employed individuals should be between 21 to 65 years of age, and have a minimum annual income of Rs.6 lakh.
• The applicant must have an acceptable credit score.

HDFC Moneyback Plus Credit Card Documents:-

Required Documents for HDFC Moneyback Plus Credit Card
Completed application form
Passport size photographs
Identity proof (any one of the following):
– Passport
– Voter’s ID card
– Driving license
– PAN card
Address proof (any one of the following):
– Passport
– Voter’s ID card
– Driving license
– Ration card
– Electricity bill
– Landline telephone bill
– Bank account statement
Income proof (any one of the following):
– Latest salary slip
– Form 16
– Income tax returns
– Bank account statement showing salary credit

How to apply for HDFC Moneyback plus Credit Card?

• You can apply for the HDFC MoneyBack Plus Credit Card online by visiting the Credit Card Application page at the back of the website.
• In order to process your application, you will need to submit certain documents including Salary Slip/ITR Return Acknowledgment, Proof of Identity and Proof of Residence.

Alternatively, you can also visit any one of the HDFC branches and complete the application process offline as directed by the executives at the back.

HDFC Moneyback Plus Credit Card Customer Care Number:-

• For any immediate assistance regarding your HDFC Bank MoneyBack Plus Credit Card, you can call the 24*7 helpline number 1800 266 4332.
• To send your queries via email, you can visit [email protected].

FAQs for HDFC Moneyback Plus Credit Card:-

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