CardTrail
HDFC MoneyBack+ credit card
Entry Level

HDFC MoneyBack+

HDFC logo HDFC
6.7
CardTrail Score
Decent
out of 10
Net Value
5.2
Accessibility
9.0
Feature Depth
4.0
Bank Trust
9.0
How we score →
Compare This Card Full Details
Annual Fee
₹500
Spend ₹50,000 or more in a year before renewal date
Forex Markup
3.5%
Reward Rate
0.33%
Up to 2%
Lounge Access
0
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 ₹50,000 or more in a year before renewal date
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
0.33%
Max Rate
2%
Currency
CashPoints
Welcome Bonus
500 CashPoints

Lounge Access

Domestic Lounges
0
International Lounges
0

Key Highlights

  • 2X rewards on online spends
  • ₹500 fee waived at ₹50K spend
  • 4 domestic lounge visits/quarter

Compare With...

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Useful Tools

Calculators and finders relevant to the HDFC MoneyBack+

EMI Cost Calculator
Calculate the real cost of EMI conversion
Credit Utilization
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Forex Savings Calculator
Calculate your forex markup cost
Annual Fee Breakeven
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Quick Summary

Best For
cashback beginner
Annual Fee ₹500
Base Reward 0.33%
Max Reward 2%
Forex Markup 3.5%
Network Visa
Min Income ₹2L+
Compare This Card

CardTrail Score

6.7
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

cashback beginner

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