The HDFC MoneyBack+ has a ₹500 annual fee (waived on ₹50,000 annual spend), earns 2 CashPoints Per ₹200 on Other Spends and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹50,000 annual spend |
| Base rewards | 2 CashPoints Per ₹200 on Other Spends |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
People Also Asked
More about the Hdfc Bank Moneyback+ Credit Card
Is the Hdfc Bank Moneyback+ Credit Card worth it in 2026?
Yes, the Hdfc Bank Moneyback+ Credit Card is worth it if you frequently shop on Reliance Smart SuperStore, Swiggy, Amazon, or BigBasket, as it offers 10X CashPoints on these platforms. The Rs.500 renewal fee can be waived by spending Rs.50,000 annually, making it cost-effective for regular users.
Who should get the Hdfc Bank Moneyback+ Credit Card?
This card is ideal for shoppers who regularly purchase groceries and essentials from Reliance Smart SuperStore and BigBasket, and also order food on Swiggy or shop on Amazon. Users who can spend Rs.50,000 annually to waive the renewal fee will benefit the most.
How to maximise rewards on the Hdfc Bank Moneyback+ Credit Card?
To maximise rewards, use the card for purchases on Reliance Smart SuperStore, Swiggy, Amazon, and BigBasket to earn 10X CashPoints. Additionally, aim to spend at least Rs.50,000 annually to get the Rs.500 renewal fee waived and earn 500 CashPoints as a renewal benefit.
What purchases give the best value on the Hdfc Bank Moneyback+ Credit Card?
Purchases on Reliance Smart SuperStore, Swiggy, Amazon, and BigBasket give the best value with 10X CashPoints. Other spends earn 2 CashPoints per Rs.200, making these platforms the most rewarding for cardholders.