All cards / HDFC Bank
HDFC Bank
HDFC MoneyBack+
Visa
HDFC MoneyBack+
A no-frills entry-level cashback card that pays well on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart spends but is thin everywhere else.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Reward rates by category
- Online shopping2.5% (capped ₹625/monthly)
- Dining2.5% (capped ₹625/monthly)
- Groceries2.5% (capped ₹625/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 500 CashPoints (~₹125 value) on payment of joining fee
- 500 CashPoints on payment of renewal fee
- ₹500 gift voucher per ₹50,000 quarterly spend, capped at ₹2,000/year
- 1% surcharge waiver on fuel transactions ₹400–₹5,000, capped ₹250/statement cycle
Pros
- + ~2.5% effective cashback on Amazon/Flipkart/Swiggy/BigBasket/Reliance
- + Low ₹500 fee, easily waived on ₹50,000/year spend
- + Fuel surcharge waiver included
Cons
- − Base reward rate on everything else is a weak 0.25%
- − No lounge access, travel, or insurance benefits
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.