CardTrail
HDFC MoneyBack credit card
Cashback

HDFC MoneyBack

HDFC logo HDFC
6.1
CardTrail Score
Decent
out of 10
Net Value
5.1
Accessibility
8.5
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 to get renewal fee waived
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 ₹50,000 or more in a year before renewal date to get renewal fee waived
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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Useful Tools

Calculators and finders relevant to the HDFC MoneyBack

EMI Cost Calculator
Calculate the real cost of EMI conversion
Credit Utilization
Check your credit utilization ratio
Forex Savings Calculator
Calculate your forex markup cost
Annual Fee Breakeven
Will the annual fee pay for itself?
Which Card Tonight?
Which card should you swipe tonight?

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+
Compare This Card

CardTrail Score

6.1
/ 10

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

Best For

cashback beginners

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