Cashback
HDFC MoneyBack
HDFC 5.0
CardTrail Score
Decent
out of 10
Annual Fee
₹500
Spend ₹1L/year
Forex Markup
3.5%
Reward Rate
0.25%
Up to 2%
Lounge Access
0
domestic | 0 intl
About This Card
The HDFC MoneyBack is a cashback credit card from HDFC with an annual fee of ₹500. It earns rewards at 0.25% on everyday purchases. Key perks include fuel surcharge waiver. Best suited for cashback seekers and first-time card users.
Pros & Cons
Pros
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
- Attractive welcome bonus: 500 CashPoints
Cons
- 3.5% forex markup is above average
- No complimentary lounge access
- Below-average base reward rate
Fee Details
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver Condition
Spend ₹1L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.25%
Max Rate
2%
Currency
CashPoints
Welcome Bonus
500 CashPoints
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Annual fee ₹500 (waiver: Spend ₹1L/year)
- + Fuel surcharge waiver at all pumps
- + Welcome bonus: 500 CashPoints
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Quick Summary
Best For
cashback beginners
Annual Fee ₹500
Base Reward 0.25%
Max Reward 2%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
cashback beginners
