HDFC Moneyback Plus Credit Card Review – As per its name, MoneyBack means cashback on shopping, It mainly focuses on providing the facility to earn cash points on everyday spending. This Card allows earning 10X Cash Points on shopping from Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy.
it could be a fantastic Credit card for you to save your cash while online or offline shopping. it is a fully CashPoints Based Card. Whenever you use the card, it every time provides cash points for spending everywhere. Even, EMI Shopping too.
This card also provides additional HDFC Bank Features, for instance, Additional Features Zero lost Card liability on any fraudulent transactions, Total 50 days of interest-free period, Revolving Credit, Fuel Surcharge Waiver, and 15% off on dining bills at luxury hotels.
Through the blog, we are going to share with you a complete review of the HDFC Moneyback Plus Credit Card and it will clear your doubts such as Moneyback Plus Benefits, Card Limit, Eligibility, And Charges.
The benefits And Review of HDFC Moneyback Plus Credit Card
Table of Content
- The benefits And Review of HDFC Moneyback Plus Credit Card
- HDFC Moneyback Plus Credit Card Highlight Factors
- What Are The HDFC Moneyback Plus Credit Card Offers And Benefits
- Discounts And Cashback
- Short List of Card Features
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For Moneyback Plus Card HDFC?
- FAQ
- Other Credit Cards By HDFC Bank
HDFC Moneyback Plus Credit Card Highlight Factors
| Points | Description |
|---|---|
| Card Type | Entry-Level CashPoints-Based Card |
| Best Suitable | Everyday spends Users, Self Employed And Salaried Persons. |
| Card Benefits & Features | – ₹500 gift voucher on spending up to ₹50,000 each calendar quarter – Upto 15% Discount on more than 2000 premium restaurants in select cities – Interest-Free Credit Period will be 50 days – 500 Cash Points as a Welcome Gift For New Users |
| Rewards Points | – Earn 10X Cashpoints on Purchasing from select popular stores such as Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy – The Primary Cardholders are eligible to get 5X Cash Points on EMI spends at vendor locations – other All spends, it offers 2 CashPoints per ₹150 and above expended (Excluding E-wallet loads, prepaid card loads, Fuel Buying, & Gift E-voucher Buying.) |
| Milestone | – Each Calendar quarter month, it provides a Gift E-Voucher worth up to ₹500 On shopping of ₹50,000 and More. total 1 year, you will get ₹2,000 Gift voucher. |
| Renewal Offer | It offers a renewal Yearly membership fee waived off feature if you spend ₹50,000 and Above on its annual year. |
What Are The HDFC Moneyback Plus Credit Card Offers And Benefits
It could be one of the best cash points and milestone-based entry-level cards by HDFC Bank for you. it continuously provides everyday spending benefits and gifts. such as Exclusive Reward Points, Cashbacks, E-Gift Vouchers, and Fuel Surcharge Waivers.
Moreover, it provides up to 10X Cash Reward Points on using and purchasing stuff from these popular selected Online stores, below, we mention the list of E-Store –
- Amazon
- BigBasket
- Flipkart
- Reliance Smart SuperStore
- Swiggy
For Big Purchases to make it easier, it offers Smart EMI Facility And 5X CashPoints on EMI spending Features. For All Types of Shopping by using this MoneyBack Plus Credit Card, you can earn upto 2 CashPoints Reward On Each purchase of upto ₹150. However, it does not offer cash points on a few stuff such as fuel Purchasing, E-wallet loads, prepaid card loads, and Gift E-Voucher Buying.
Apart from Cash Points Program, it also offers a few features such as a Discount of Up to 15% as a dining benefit on 2000+ premium restaurants in select cities, 500 Cash Points as a welcome gift, ₹2,000 worth of gift E-vouchers in a year, and up to1% reFueling Surcharge waiver benefit on fuel transactions.
it could be a fantastic card for you. it offers plenty of benefits, milestones, and cash back with the lowest annual charge of ₹500.
Discounts And Cashback
Short List of Card Features
How to Use Reward Points Redemption
The primary cardholder can convert their earned Cashpoint into different modes such as Product Catalogue, Unified SmartBuy (Flights/Hotels Booking), Airmiles, And Cashback. You can convert your coins via using Net Banking login, Phone Banking, or physical redemption form.
you can log in to HDFC Website. and select option cards and tap on the Reward Points Redemption offer button to open new pop-up windows to select your mode to convert your cash points. below, we mention all values of your earned CP.
- CashBack – 1 CashPoint Value = ₹0.25
- Product Catalogue & E-Vouchers – 1 CashPoint = ₹0.25
- Unified SmartBuy (Flights/Hotels) Value – 1 CashPoint = ₹0.25
- Airmiles – 1 CashPoint = ₹0.25
The cardholder-earned cash points are only valid for 2 years.
What Are Card Charges and Fees
| List of Charges | Overview |
|---|---|
| Welcome Benefits | As A Welcome Bonus, 500 Cash Points *Only For those who pay the annual fee* |
| Annual Fees on The Card | ₹500 And Required Taxes (renewal fee waived off if the cardholder will be done their shopping up to ₹50,000 and above.) |
| Joining Charges | ₹500 And Required GST Taxes |
| Finance Fees(Interest) | 43.2% Each Year, Which will be around 3.6% per month. |
| Late Payment Fee | ₹100 to ₹1300 late payment charges |
| Add-on cards | Free |
| Rewards redemption | – Net Banking login – Phone Banking – physical redemption form |
| Reward Validity | 2 Year Last |
What Are the Eligibility Criteria For Moneyback Plus Card HDFC?
It is available to apply to both self-Employed and Salaried Persons. you must hold a citizen of Indian nationality and your age must be in between 21 years to 60 Years.
Salaried Applicants
| Salaried Person Eligibility Criteria | Overview |
| Your Age Must Be | Your age must be 21 to last 60 Year |
| Salary Must be | ₹20000 And Above |
Self-Employed Applicants
| Self-Employed Eligibility Criteria | Overview |
| Your Age Must Be | 21 to 60 Year |
| Minimum Annual ITR | ₹6 Lakh And Above |
You must have to provide additional documents to complete your application. such as Income proof, address proof, and Identity Proof. PAN Card, Aadhar Card, ITR, And Others will be asked for by HDFC Bank.
FAQ
Moneyback Plus Credit Card By HDFC Bank is a CashPoints Program-based card. it offers 10X, 5X, and every purchase reward points earned features by using it. moreover, it works like a magic when you use it for shopping. it offers yearly milestones, smart EMI, Revolving Credit, Zero lost Card liability features.
1860 267 6161 & 1800 202 6161 are the helpline numbers from HDFC Bank. you can contact customer care to get all information about Credit cards, loans, Payments, and other related information.
Other Credit Cards By HDFC Bank
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