HDFC MoneyBack Credit Card

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Apply HDFC Moneyback Credit Card offers

If you want a credit card which offers Rewards Points that can be redeemed for cash back and that rewards online shopping spending like online shopping, then go for money back credit card. It offers attractive rebates on shopping coupled with interest-free credit for up to 50 days, enhanced Rewards Points on online or everyday shopping and attractive deals from hdfc moneyback credit card, that is why it is perfect for online shopping lovers.

Main Features of HDFC Moneyback Credit Card

  • Fuel Surcharge Waiver capped at Rs. 250 every billing cycle (ST applicable).
  • Redeem Reward points as Cash back on your MoneyBack Credit Card (100 Reward Points = Rs 40)
  • Zero Lost Card liability post reporting of the loss of card
  • 200% more Reward Points on all your online retail spends
  • 2 Reward Points for every Rs. 150 you spend
  • Spend Rs. 10,000 within first 90 days from card set up date and get waiver of 1st year membership fee.
  • Rs 50,000 in 12 months for subsequent year fee waiver

Fees for HDFC MoneyBack Credit Card

Annual Fees - Rs. 500/-
Joining fees – Rs. 500/-
Annual Percentage Rate (APR) - 40.8% p.a

Age Eligibility for HDFC Bank MoneyBack Credit Card

For salaried employees – between 21-60 years

For the self-employed – between 21-65 years

Documents Required to Apply Credit Card 

Two passport size photographs and national identity card with signatures.
Proof of address -Driving licence, Ration card, Passport, electricity bill etc. can be submitted
PAN card, Form 16 and the Income Tax Returns Statement
If you are looking for a credit card which gives you cash back benefits on your online or everyday spending, then the HDFC MoneyBack Credit Card is very good.

HDFC Bank MoneyBack Credit Card Features

MoneyBack Rewards of the Card

Enjoy shopping with your HDFC MoneyBack Credit Card and get 2 Reward Points for every Rs. 150 spent. You can redeem Reward Points as CashBack against the outstanding amount on your Credit Card (100 Reward Points = Rs. 40).

You may also choose to redeem your Reward Points for gifts from HDFC’s extensive rewards catalog. Note that Reward Points will not be accumulated for fuel transactions. Only retail purchases qualify for reward points. Also, cash advance, fees and other charges do not qualify for Reward Points.

Online Shopping rewards

Shopping online with credit card is rewarding. Shopping with your HDFC Bank MoneyBack Credit Card will earn you 200% more points which will be credited in the subsequent statement cycle.

Fuel Surcharge Waiver

Swipe your HDFC MoneyBack Credit Card at petrol pumps and get a Fuel Surcharge Waiver, which is capped at Rs. 250 every billing cycle. Services taxes are applicable. With the HDFC MoneyBack Credit Card, you can now save up to Rs. 1,800 a year on fuel transactions (assuming that your average monthly fuel bill is Rs 6000).

HDFC Bank MoneyBack Credit Card Benefits

Safe & Secure Transactions:

The HDFC Bank MoneyBack Credit Card comes with an encrypted chip which ensures that your transactions remain secure. It has both the dip and magnetic swipe facility. Carry your card anywhere and be assured that your transactions are safe, globally, with this Chip Technology-enabled card.

Saving on fuel transactions:

You can save up to Rs. 1,800 every year on your fuel transactions (if you spend an average of Rs 6000 per month on fuel).

Zero Liability on lost card:

If your card is stolen or misplaced, you have zero liability once you report the loss. If you lose your MoneyBack Credit Card, ensure that you immediately report the loss to the 24-hour HDFC customer care centre. Once you report the loss, you carry no liability on any fraudulent transactions that may occur on your card.

Reward Points validity:

The Reward Points accrued are valid only for 2 years from the date of purchase. You can earn a CashBack of Rs. 2,000 on Rewards Points accumulated by spending Rs. 2.5 lakh on your card (assuming 30% online spending).

Interest-free credit facility:

You can get up to 50 days of interest-free credit from the date of your purchase.

HDFC Bank MoneyBack Credit Card annual fee

The annual fee varies with each customer and each HDFC MoneyBack Credit Card offer. It is communicated to the card member at the time at the time of application. However, your first year fee is reversed on spends of Rs. 10,000 within 90 days of getting your card. The renewal fee is waived if you spend Rs. 50,000 in the year prior to the renewal date.

HDFC MoneyBack Credit Card Common Questions Answered

    Can I apply for a HDFC MoneyBack Credit Card online and offline?

  • Yes, you can apply for HDFC MoneyBack Credit Card online or offline.

  • Can I use my HDFC MoneyBack Credit Card for online transactions and shopping?
  • Yes, you can use this credit card for online transactions. Just register the card for 'Verified by Visa'/’MasterCard SecureCode’, after which the card can be used online. This ensures safe online transactions.

  • How can I redeem HDFC MoneyBack Reward Points?
  • To redeem your points for cash, Just fill the HDFC Bank CashBack Credit Card redemption coupon which is available online and drop it in the nearest HDFC Bank credit card drop box. The CashBack will be credited to your card account within 10 working days on the receipt of your completed application form. Alternatively, you can login to your NetBanking account and check for available Reward Points on your card and redeem them. You can also call the 24 hour customer care centre and ask for your points to be converted. The CashBack will be credited to your credit card account and will be reflected in the next credit card cycle.

  • Can HDFC MoneyBack Chip Card be used as a normal swipe card?
  • Yes, the HDFC MoneyBack Credit Card comes with a chip technology that can also be used as a swipe card.

Other HDFC Bank Credit Card Related Information

  • HDFC Credit Card Toll Free Numbers here
  • How to Check HDFC Credit Card Application here
  • HDFC Regalia Credit Card here

HDFC Bank MoneyBack Credit Card Review

HDFC MoneyBack Credit Card offers extra rewards for avid online shoppers as it gives 3 times more Reward Points for online spends. HDFC Bank has designed this card keeping in mind online shopaholics, so that they can get attractive returns on shopping together with other lifestyle benefits for using the card. The rewards and perks this card offers on shopping make it a desirable option, provided that you pay off your credit card dues consistently every month.

Look other types of credit cards offered by hdfc

Before applying a credit card, you must choose the one that suits your needs the best. HDFC bank offers credit cards of various types that can be categorized as lifestyle, female credit requirements,  entertainment, fuel, business, travel, online shopping etc. You can choose the credit card that benefits you the most for your needs.

Check other hdfc credit cards options

Apply for a HDFC MoneyBack Credit Card

You can apply for a HDFC MoneyBack Credit card online by logging onto the HDFC Bank website or by visiting the nearest HDFC branch and submitting the application and required documentation.

Online method: You can visit the official website of the bank and provide details such as name, income, employment and upload few documents to apply for a credit card. Once application submission is over, the bank will process your application and approve your credit card. The applicants also track the credit card application online and offline using simple steps.

Offline Method: You can visit the bank, fill in the application and submit it along with the requisite documents. In general, it can take up to 15 days for your application to be processed and approved/rejected.


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