HDFC MoneyBack+ Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HDFC Bank
Network: Visa | Tier: Entry
The HDFC MoneyBack+ is an Entry Visa credit card issued by HDFC Bank, best suited for first-time credit card users. The HDFC MoneyBack+ is an excellent entry-level credit card ideal for first-time users. With low fees, decent cashback, and a path to upgrading to premium HDFC cards, it's the perfect starting point for your credit card journey. It carries a joining fee of ₹500 + GST, with an interest rate of 3.49% per month. Key benefits include Cashback on all purchases, Low joining & annual fee, 1% fuel surcharge waiver, Easy EMI conversion, and Good for credit score building. Reward earnings work as follows: 2 CashPoints per ₹150. New cardholders get a welcome benefit of 500 CashPoints. On fees — No airport lounge access; Foreign transaction markup: 3.5% + GST; Fuel surcharge: 1% waiver on ₹400-₹5,000. Applicants typically need ₹2,50,000+ per annum to qualify. It falls under the Cashback and Entry Level category on CreditCardHunt.
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Why Choose the HDFC MoneyBack+?
The HDFC MoneyBack+ is a Entry-tier Visa credit card issued by HDFC Bank, rated 4/5 by the Credit Card Hunt editorial team. It is best suited for First-time credit card users. With a reward rate of 2 CashPoints per ₹150 and an annual fee of ₹500 + GST, it ranks among the popular Cashback cards in India in 2026.
New cardholders are welcomed with 500 CashPoints, which adds immediate value in the first year.
HDFC MoneyBack+ Fees & Charges
| Annual Fee | ₹500 + GST |
|---|---|
| Joining Fee | ₹500 + GST |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 |
HDFC MoneyBack+ Rewards & Benefits
| Reward Rate | 2 CashPoints per ₹150 |
|---|---|
| Welcome Bonus | 500 CashPoints |
| Lounge Access | None |
| Best For | First-time credit card users |
Key Highlights of the HDFC MoneyBack+
- Cashback on all purchases
- Low joining & annual fee
- 1% fuel surcharge waiver
- Easy EMI conversion
- Good for credit score building
HDFC MoneyBack+ Eligibility Criteria
- Minimum income ₹2.5 lakh per annum
- CIBIL score 700+
- Age 21-60 years
Minimum Income Required: ₹2,50,000+ per annum
Advantages of the HDFC MoneyBack+
- Low annual fee — a built-in advantage for cardholders.
- Easy approval — a genuine plus for anyone eyeing this entry card.
- Good for beginners — a real advantage for first-time credit card users.
- Build credit history — a highlight among HDFC Bank's entry lineup.
- Upgrade path to premium cards — a built-in advantage for cardholders.
Drawbacks of the HDFC MoneyBack+
- Before applying, factor in no lounge access.
- Low reward rate — worth weighing before you apply.
- On the downside: basic benefits.
- High foreign markup may not suit every applicant.
HDFC MoneyBack+ — Frequently Asked Questions
What is the annual fee of the HDFC MoneyBack+?
The HDFC MoneyBack+ has an annual fee of ₹500 + GST and a joining fee of ₹500 + GST. New cardholders receive 500 CashPoints as a welcome benefit, which helps offset the joining cost.
Does the HDFC MoneyBack+ offer airport lounge access?
No, the HDFC MoneyBack+ does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the HDFC MoneyBack+?
The minimum income requirement is ₹2,50,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the HDFC MoneyBack+?
The HDFC MoneyBack+ earns 2 CashPoints per ₹150. It is best suited for First-time credit card users.
Credit Cards Similar to the HDFC MoneyBack+
If you are considering the HDFC MoneyBack+, these cashback credit cards are worth comparing before you apply:
- ICICI Amazon Pay by ICICI Bank — rated 4.6/5, Nil (Lifetime Free) annual fee
- Axis Flipkart by Axis Bank — rated 4.3/5, ₹500 + GST annual fee
- HDFC Millennia by HDFC Bank — rated 4.3/5, ₹1,000 + GST annual fee
- IndianOil Citi by Axis Bank — rated 4.2/5, ₹500 + GST (waiver on ₹50K spend) annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4/5