HDFC MoneyBack+ Review 2026 — Fees, Rewards & Eligibility
Issuer: HDFC Bank
Network: Visa | Tier: Entry
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.
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
- Easy approval
- Good for beginners
- Build credit history
- Upgrade path to premium cards
Drawbacks of the HDFC MoneyBack+
- No lounge access
- Low reward rate
- Basic benefits
- High foreign markup
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
Expert Rating: 4/5