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HomeCredit cardsHDFC BankHDFC MoneyBack+ Credit Card
EntryVisa

HDFC MoneyBack+ Credit Card

4.0editor Editor score 72/100Best for beginners on hdfc

10X CashPoints on Amazon, Flipkart, BigBasket, Swiggy and Reliance Smart, 2 CashPoints per ₹150 elsewhere, ₹500 quarterly voucher.

  • 10X CashPoints on Amazon, Flipkart, BigBasket, Swiggy, Reliance Smart
  • ₹500 gift voucher every quarter on ₹50,000 spends
  • Lowest fee waiver on an HDFC card
  • 1% fuel surcharge waiver
Updated 13 Nov 2026
HDFC Bank
•••• •••• •••• 4242
HDFC MoneyBack+ Credit Card
VISA

Key facts

Joining fee
₹500 + GST
Annual fee
₹500 + GST
Waived on ₹50,000 annual spends
Reward rate
10X partners · 2 CP per ₹150
Welcome benefit
500 CashPoints on fee payment

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Editor's pick
SBI CardMID
HDFC MoneyBack+ Credit Card
Annual fee ₹500 + GST
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Very easy to get fee waived
  • Quarterly voucher adds 1%
  • Good HDFC entry point

Watch out for

  • 1 CashPoint = ₹0.25
  • 10X capped at 2,500 points a month
  • No lounge access

Our take

Why we rate it

A gentle first card from HDFC with a fee you will almost always get waived.

Features & benefits in detail

Rewards
Partner brands
10X CashPoints
Other spends
2 CP per ₹150
Fees
Fee waiver
₹50,000 annual spends
Lifestyle
Milestone
₹500 voucher per ₹50k quarterly

Milestone benefits

₹500 voucher on ₹50,000 quarterly spends

Eligibility

Minimum income
₹20,000 / month
Age
21 – 60 years
Credit score
680+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

HDFC Bank
HDFC MoneyBack+ Credit Card
Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards
Up to 1.5%
Lounge
None
Forex
3.5%

Secure hand-off to HDFC Bank. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

•••• •••• •••• 4242
SBI Cashback Card
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SBI Cashback Card

4.6editor

Best for online shopping

Flat 5% cashback on all online spends with no merchant restrictions, auto-credited to your statement.

Joining
₹999 + GST
Annual
₹999 + GST
Rewards
Up to 5%
Fuel waiver
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Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
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Best for amazon prime members

Lifetime free card with 5% back for Prime members on Amazon, 2% on Amazon Pay partners and 1% everywhere else.

Joining
Free
Annual
Free
Rewards
Up to 3%
Lifetime free Fuel waiver
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Best for bill payments & food delivery

5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato and Ola and 1.5% on everything else, uncapped.

Joining
₹499 + GST
Annual
₹499 + GST
Rewards
Up to 3%
Lounge 4 / yr Fuel waiver
Details