HDFC

MoneyBack Plus

Mid-tier card · fee waiver threshold ₹50,000 · 3.5% forex markup.

Strong for lounge access (0/year) · Weak for high forex (3.5%)

Compare with similar cards

Good for

  • Airport lounge users

Not ideal for

  • International spenders

Spend context

  • Estimated monthly rewards: Base earn unclear — verify on issuer site
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Approximate, based on base rates and current snapshot.

Annual fee
₹500
Lounge
None (domestic)
Forex
3.5%
Not a low-forex card (3.5%).
Reward rate
Not clearly specified

Verified with issuer

View official source (opens in new tab)

Lounge Access

Domestic visits
None
International visits
Not included

International Use

Forex markup
3.5%
Product tier
Mid-tier

Fees

Annual fee
₹500
Joining fee
₹500
Fee waiver spend
₹50,000 Below catalog median waiver (₹3,00,000 vs ₹50,000).

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