HDFC MoneyBack Plus Credit Card

Given below are the key details of HDFC MoneyBack+ Credit Card:

• The cardholders will get 500 CashPoints upon payment of the joining fee. It is considered a welcome gift.
• The 5x CashPoints feature on Equated Monthly Installments (EMI) payments was withdrawn on 1 September 2024, and EMI spends no longer earn CashPoints.
• Earn two CashPoints for every Rs.200 spent using the HDFC MoneyBack+ credit card except wallet reloads, fuel purchased, voucher purchased, and prepaid card reloads, rent payments, government-related transactions and EMI transactions.
• HDFC MoneyBack+ Credit Card offers 10x CashPoints on purchases done on its partner brands such as Reliance Smart Store, Flipkart, Swiggy, Amazon, and Big Basket.
• Get an additional 10% discount on dining through Swiggy Dineout using the coupon code HDFCCARDS.
• If the cardholders spend Rs.50,000 or more in a calendar quarter, they will get a gift voucher worth Rs.500.
• Get a fuel surcharge waiver of 1%.
• If the annual expenditure of HDFC MoneyBack+ credit cardholders is Rs.50,000 or more, the annual fee will be waived off.
• The card also allows its cardholders to convert one-time payments into easy EMIs on big purchases.
• The card has a zero lost card liability benefit, which means if the cardholders lose their card, they are not responsible for any sort of fraud but they need to report about the same to HDFC Bank Credit Card customer service.
• If a cardholder spends at least Rs.50,000 per year, the renewal membership fee will be waived off.
• 10X CashPoints on the five partner merchants are capped at 2,500 CashPoints per calendar month, total CashPoints are capped at 15,000 per statement cycle, and unredeemed CashPoints lapse two years after they are earned.

Rewards and Benefits Offered by HDFC MoneyBack+ Credit Card

Let us have a look at the following table to know the rewards and benefits provided by HDFC MoneyBack+ Credit Card:

• Milestone Benefit: Spend Rs.50,000 or more within a calendar quarter (January to March, April to June, July to September or October to December) to receive a gift voucher worth Rs.500. The voucher link reaches your registered mobile number and email, and you can choose from the available voucher options. 
• Redemption Value: One CashPoint is worth up to Rs.0.25 when redeemed against the statement balance, on flight and hotel bookings through SmartBuy, or on rewards catalogue products. You need CashPoints worth at least Rs.500 to redeem against the statement, and redemption for flight and hotel bookings or cashback is capped at 50,000 CashPoints per calendar month. 

Fees and Charges of HDFC MoneyBack+ Credit Card

The following table explains the fees and charges of HDFC MoneyBack+ Credit Card:

Note: The interest rates are effective from 1 August 2024. 

• Interest-Free Credit Period: You get up to 50 days of interest-free credit from the date of purchase, subject to the merchant submitting the charge to HDFC Bank. 
• Card Inactivity: HDFC Bank can cancel the card if it stays inactive and is not used for any transaction for six continuous months, after sending prior written notice to your registered email address, phone number or communication address. 

Eligibility Criteria to Apply for HDFC MoneyBack+ Credit Card

You need to fulfil the following eligibility criteria to apply for HDFC MoneyBack+ Credit Card:

• Age: To apply for the HDFC MoneyBack+ Credit Card, the age limit of the applicant should be between 21 years and 60 years for salaried applicants, and between 21 years and 65 years for self-employed applicants.
• Income: For salaried individuals, the minimum salary should be at least Rs.20,000 per month whereas, for self-employed individuals, the minimum income per year should be at least Rs.6 lakh per annum.
• The applicant should be an Indian.

Documents Required

You need to submit the photocopies of the following documents to apply for HDFC MoneyBack+ Credit Card:

• Identity Proof: Permanent Account Number (PAN) Card, Passport, Aadhar Card, Voter ID Card, Driving License, Person of Indian Origin (PIO) Card.
• Address Proof: Passport, Voter ID Card, Aadhar Card, Driving License, Ration Card, Electricity Bill, Bank Account Statement, or Property Registration Document.
• Income Proof: Last two months' salary slips, Form 16, and the Previous three months' bank account statement.
• Additional Verification: In certain cases, HDFC Bank may ask you to upload documents and complete video KYC while you apply online. 

How to Apply for HDFC MoneyBack+ Credit Card?

To apply for the HDFC MoneyBack+ Credit Card, you can apply online on the HDFC Bank website, or through NetBanking if you are an existing customer. On the website, validate your phone number and date of birth or PAN, confirm your details, select your card and submit the application.

If you are willing to apply for the credit card offline, then you need to visit the nearest HDFC Bank branch, and fill up the offline credit card application form and submit it to the bank's official.

How to Track HDFC MoneyBack+ Credit Card Application Status?

Given below are the steps to track HDFC MoneyBack Plus Credit Card application status:

• Visit the HDFC Bank website and select 'Track Credit Card Status'. 
• Enter your mobile number. 
• Provide your application reference number, application form number or date of birth. 
• Click 'Submit' to see your application status. 

HDFC MoneyBack Plus Credit Card Customer Care

If you have any query related to your HDFC MoneyBack Plus Credit Card, then you can get in touch with 24/7 customer care number 1800 1600/1800 2600. Customers calling from outside India can use +91 22 6160 6161.

Card Management: You can enable or disable online, contactless and international usage, and set transaction limits, through NetBanking, the HDFC Bank MobileBanking app, MyCards, PayZapp, WhatsApp Banking and IVR. 

Summary

The HDFC MoneyBack+ Credit Card is a budget-friendly rewards card for everyday and online spends, with 10X CashPoints at select partner merchants, a fuel surcharge waiver and a quarterly spend milestone voucher. Review the fee table, reward exclusions and eligibility criteria before you apply. Compare the HDFC MoneyBack+ Credit Card with other options on BankBazaar and apply online. 

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