Is the HDFC MoneyBack Credit Card still available for new applications?

No, the HDFC MoneyBack Credit Card is no longer being issued by HDFC Bank, as stated in the product details.

What are the joining and renewal fees for the HDFC MoneyBack Credit Card?

The joining fee for the HDFC MoneyBack Credit Card is Rs. 500 + GST, and the renewal fee is also Rs. 500 + GST.

How can I waive the renewal fee for my HDFC MoneyBack Credit Card?

The renewal fee for the HDFC MoneyBack Credit Card is waived if you spend Rs. 50,000 or more in the previous card anniversary year.

How do I earn reward points with the HDFC MoneyBack Credit Card?

You earn 4 Reward Points for every Rs 150 spent online and 2 Reward Points for every Rs 150 on other transactions with the HDFC MoneyBack Credit Card.

What are the redemption options for HDFC MoneyBack Credit Card reward points?

You can redeem points for cashback, travel bookings via SmartBuy, various vouchers, products, or convert them to Air Miles with the HDFC MoneyBack Credit Card.

Does the HDFC MoneyBack Credit Card offer any milestone benefits?

Yes, you get a gift voucher worth Rs 500 on spending Rs 50,000 in a calendar quarter with the HDFC MoneyBack Credit Card, up to Rs 2,000 annually.

What is the foreign currency markup on the HDFC MoneyBack Credit Card?

The foreign currency markup for the HDFC MoneyBack Credit Card is 3.5% per currency conversion, plus applicable taxes.

Is there a fuel surcharge waiver with the HDFC MoneyBack Credit Card?

Yes, the HDFC MoneyBack Credit Card offers a 1% fuel surcharge waiver on transactions of Rs 400+, capped at Rs 250 per month.

What are the eligibility criteria for the HDFC MoneyBack Credit Card?

For salaried, age 21-60 with min Rs 3 LPA. For self-employed, age 21-65 with min Rs 6 LPA (as per ITR) for the HDFC MoneyBack Credit Card.

What is the reward points validity period for the HDFC MoneyBack Credit Card?

Accumulated reward points on the HDFC MoneyBack Credit Card are valid for 2 years from their accumulation date.

HDFC Bank

HDFC MoneyBack Credit Card

Please note: This offer may be discontinued and is shown for informational purposes only.

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Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Receive 500 Cash Points upon payment of the membership fee.

Rewards Rate

Earn up to 4 Reward Points per Rs 150 online, 2 points offline, overall up to 0.67% reward rate.

Reward Type

Reward Points

Reward Redemption

Redeem points for cashback (1:0.20), travel via SmartBuy (1:0.25), vouchers/products (1:0.25), or Air Miles.

Insurance Coverage

Zero Liability Protection against fraudulent transactions if reported promptly to HDFC customer care.

Dining

Enjoy exclusive dining benefits through the Good Food Trail program. Save up to 20% on restaurant bills.

Travel Benefits

Redeem points for flights and hotels via SmartBuy portal with 1 RP = Rs 0.25 value.

What matters, explained clearly

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Frequently Asked Questions

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