HDFC

MoneyBack Plus Credit Card

Good for online shopping across multiple brands.

Should you get this?

Conditional fit

Verified

Why this card

  • Up to 10 CashPoints / ₹100 on online spend
  • You spend on amazon online.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹500) is waived only when eligible annual spend exceeds ₹50,000.

Annual fee ₹500 per year
Rewards 2 CashPoints / ₹150
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend2 CashPoints / ₹150Credited as reward points—
Amazon (domestic)10 CashPoints / ₹100Credited as reward points · online only2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend
BigBasket (domestic)10 CashPoints / ₹100Credited as reward points · online only2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend
Flipkart (domestic)10 CashPoints / ₹100Credited as reward points · online only2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend
Show all 6 earning rules (2 more)
Reliance SMART Superstore (domestic)10 CashPoints / ₹100Credited as reward points · online only2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend
Swiggy (domestic)10 CashPoints / ₹100Credited as reward points · online only2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend

Redemption value

What a CashPoint is worth

  1. Catalogueup tovia SmartBuy₹0.25 / pt
  2. Travelup tovia SmartBuy₹0.25 / pt

    max 50,000 pts / month

  3. Cash redemption value₹0.20 per CashPoint

How to avoid the annual fee

Spend threshold for waiver
Above ₹50K annual eligible spend required for the waiver

Above ₹50K eligible annual spend waives the fee

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

2 CashPoints per ₹150 on eligible spend

Verified value

₹0.25 per point

Travel

Ranking floor

₹0.2 per point

(conservative floor)

₹0.25 per point (best documented)

Caps

  • Amazon (domestic)2,500 CashPoints per month
    Why?

    at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend

  • BigBasket (domestic)2,500 CashPoints per month
    Why?

    at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend

  • Flipkart (domestic)2,500 CashPoints per month
    Why?

    at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Salaried applicant

Minimum age
21 years or older
Net monthly income
Above ₹20,000
Gross monthly income
Above ₹20,000

Issuer-stated · not yet decision-ready2 issuer sources · Issuer source

Self-employed applicant

Minimum age
21 years or olderissuer-stated
Annual ITR
Above ₹6,00,000issuer-stated
Annual personal income
Above ₹6,00,000secondary

Attestation differs per figure — see each tag

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹50,000yearAnnual fee waiver

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (2 CashPoints / ₹150). Up to ~670 CashPoints/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹130 at the conservative redemption floor
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
No complimentary lounge access
International (cardholder)
No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
2 CashPoints per ₹150 value depends on redemption
Effective return (honest floor)
~0.267% base at the cash-redemption floor; up to ~0.333% through documented travel redemption · verified 20 Jun 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.25 per CashPoint (Travel) · verified 20 Jun 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity
Points expire 2 years after earning · verified 7 Jul 2026
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹500
Joining fee
₹500 · verified 20 Jun 2026
Fee waiver spend
Above ₹50,000 · verified 20 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹50,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹250 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

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The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Amazon cap: 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend.
  • BigBasket cap: 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend.
  • Flipkart cap: 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend.
  • Reliance SMART Superstore cap: 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend.
  • Swiggy cap: 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend.

Exclusions

These spends do not earn reward points.

Payments

  • Rent
  • Government payments

Financial

  • EMI
  • Fuel

Latest update

  • Annual fee: ₹500.
  • Forex markup currently listed at 3.5%.
  • No complimentary lounge access.

Common questions

From verified card facts

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹50,000 annual spend. Verify eligible spend exclusions before counting on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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