HDFC Moneyback Plus Credit Card

HDFC Moneyback Plus Credit Card Overview

If you love online shopping and often use platforms like Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore, then the HDFC Moneyback Plus Credit Card can be a great fit for you! Forget about boring reward programs with low earning rates. This card gives you the opportunity to earn 10X CashPoints on your purchases from these popular brands. That's like getting a reward rate of 3.3% on everything you buy! And that's not all – you can also earn 5X CashPoints on your EMI spending. This card is a game-changer in the world of credit cards.

Key Features

• 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
• 5X CashPoints on EMI spends at merchant locations
• 2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )
• Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
• Upto 20% discount on partner restaurants via Swiggy Dineout

Note:

• With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points
• With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points.
• For Rupay Credit Cardholders, all UPI spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases ) will earn 2 RPs for every Rs.150 spent and is capped at 500 reward points in a calendar month.

Additional Features

Zero lost Card liability : In the unfortunate event of losing your HDFC Bank Moneyback+ Credit Card, report it immediately to our 24-hour call centre. On reporting the loss immediately, you have zero liability on any fraudulent transactions made on your Credit Card. 

Interest Free Credit Period : Avail up to 50 days of interest free period on your HDFC Bank Moneyback+ Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).

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Revolving Credit : Enjoy Revolving Credit on your HDFC Bank Moneyback+ Credit Card at nominal interest rate. Please refer to the Fees and Charges section for more details.

Exclusive Dining Privileges : Enjoy amazing dining benefits with Good Food Trail program.

Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App.

Fuel Surcharge Waiver

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

Welcome/Renewal Benefit

500 Cash Points (applicable only  on payment of membership fee)

Quarterly Spend based benefit

Every Calendar quarter, get a gift voucher worth ₹500 on spends of ₹50,000 & above. Earn up to ₹2,000 worth gift vouchers in a year.

Renewal Offer

Get renewal membership fee waived off by spending ₹50,000 and above in an annual year

Reward Point/Cashback Redemption & Validity

• The CashPoints earned on HDFC Bank MoneyBack+ Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.25, and can be done via Net Banking login, or physical redemption form 
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.25 and the rest of the amount will have to be paid via the Credit Card. To know more on Rewards catalogue.
• With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
• With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 50,000 rewards points.
• With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
• For redemption against statement balance, Cardholder must have minimum CashPoints equivalent to ₹500
• CashPoints earned on your HDFC Bank MoneyBack+ Credit Card are valid only for 2 years from the date of transaction. e.g. if you receive Reward Points in August 2021, same will expire in August 2023