HDFC Bank · Entry

HDFC MoneyBack+

Annual fee

₹500

Forex markup

3.5%

Base earn

0.25%

Best direct earn

normal swipe, portal/voucher excluded

2.50%

Point value

per point, conservative

₹0.25

Lounge

Network

Not published

HDFC MoneyBack+ Credit Card hdfc.bank.in · read 25 Sep 2026
HDFC MoneyBack+ T&C hdfc.bank.in · read 26 Sep 2026

Every figure on this page traces to one of these. Nothing is inferred from a tracker.

Bank-confirmed. Reward figures verified against the issuer’s own website.
Card source: HDFC MoneyBack+ Credit Card - hdfc.bank.in - read 25 Sep 2026.
No affiliate link on this card.

Where it ranks across all 187 cards

#25 Groceries 2.5% at BigBasket direct #30 Online shopping 2.5% at Amazon direct #32 Food delivery 2.5% at Swiggy direct

#76 Insurance 0.3% direct #85 Education 0.3% direct #90 Utility bills 0.3% direct #119 Jewellery & watches 0.3% direct #119 Gaming 0.3% direct #130 Mobile / broadband 0.3% direct #142 Train tickets 0.3% direct #149 Cabs & transit 0.3% direct #157 Flights 0.3% direct #157 Hotels 0.3% direct #157 Other 0.3% direct #158 Health & pharmacy 0.3% direct #159 Electronics 0.3% direct #162 Dining out 0.3% direct #162 Fashion 0.3% direct #164 Movies & events 0.3% direct

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Engine value - conservative, what rankings use

₹0.25/pt

0.25%

Bank travel portal

₹0.25/pt

0.25%

Vouchers / catalogue

₹0.25/pt

0.25%

Statement credit

₹0.25/pt

0.25%

Points valued at ₹0.25/pt - conservative, what rankings use

Reward rules2 direct

Base rate - everything not covered below

0.25%base rate

2 pts / ₹200

source

Source: HDFC MoneyBack+ Credit Card - hdfc.bank.in - read 25 Sep 2026

10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, Swiggy

2.50%this rule

20 pts / ₹200

2,500 CashPoints per calendar month

how it works & source

Reliance Smart SuperStore includes Reliance Fresh, Reliance Smart & Sahakari Bhandar. Merchant match by TID/MID per the bank.

Source: HDFC MoneyBack+ T&C (bank PDF, published 15 May 2026) - hdfc.bank.in - read 25 Sep 2026

Base rate, but capped1

Grocery at the base rate, capped

base rate

1,000 CashPoints a month on grocery

source

Source: HDFC MoneyBack+ T&C - hdfc.bank.in - read 26 Sep 2026

Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.

₹50,000 / quarter

Gift Voucher worth Rs 500 on spends of Rs 50,000 per calendar quarter

₹500estimated value

₹0 / year

500 CashPoints each year the joining or renewal fee is paid (welcome and renewal benefit)

₹100estimated value

Earns nothing on1 exclusion

Fuel, EMI, Rent, Government / tax, Wallet load

earns nothing

No CashPoints on fuel, EMI, rent payments, government-related transactions or wallet/gift/prepaid card loads and voucher purchases.

→ use IndianOil RBL XTra here (7.5%)

detail & source

categories: Fuel, EMI, Rent, Government / tax, Wallet load

Source: HDFC MoneyBack+ T&C (bank PDF, published 15 May 2026) - hdfc.bank.in - read 25 Sep 2026

500 CashPoints

on joining · joining membership fee is paid

Source: HDFC Bank - MoneyBack+ Credit Card T&C - hdfc.bank.in - read 11 Oct 2026

500 CashPoints

each renewal · renewal membership fee is paid

Source: HDFC Bank - MoneyBack+ Credit Card T&C - hdfc.bank.in - read 11 Oct 2026

Rent

HDFC rent fee 1% + GST (capped ₹4,999 per transaction)