Entry Level
HDFC MoneyBack+
HDFC 6.7
CardTrail Score
Decent
out of 10
Annual Fee
₹500
Spend ₹50K/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 2%
Lounge Access
4
domestic | 0 intl
About This Card
The HDFC MoneyBack+ is an entry-level card for those new to credit cards. With a ₹500 annual fee waived at just ₹50K spend, it offers 2X rewards on online transactions. Limited but functional — a stepping stone to HDFC's premium portfolio.
Pros & Cons
Pros
- Very low entry barrier
- 2X on online shopping
- Lounge access even on entry card
Cons
- 0.5% base reward rate is poor
- 3.5% forex markup
- No international lounge access
Fee Details
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver Condition
Spend ₹50K/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
2%
Currency
CashPoints
Welcome Bonus
500 CashPoints
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + 2X rewards on online spends
- + ₹500 fee waived at ₹50K spend
- + 4 domestic lounge visits/quarter
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Quick Summary
Best For
cashback beginner
Annual Fee ₹500
Base Reward 0.5%
Max Reward 2%
Forex Markup 3.5%
Network Visa
Min Income ₹2L+
CardTrail Score
Best For
cashback beginner
