FEATURES

Reward Type


CashBack

Key Features



  • Earn 2 Reward Points on every Rs 150 spent (Excluding fuel transaction, wallets loads/prepaid card loads & voucher purchases)
  • Earn 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online*
  • Every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year. Click here for more details.​​​​​​​

    ​​​​​​​(*With effect from 15th July 2020, customers can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)

For detailed Terms & conditions Click here

Note:

  • With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points
  • With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points.


Additional Features


  • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank MoneyBack Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. 
  • Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank MoneyBack Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Revolving Credit : Enjoy Revolving Credit on your HDFC Bank MoneyBack Credit Card at nominal interest rate.
  • Exclusive Dining Privileges : Enjoy amazing dining benefits with Good Food Trail program.

    Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App.


Fuel Surcharge Waiver


1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)



Welcome Benefit


500 Cash Points (applicable only on payment of membership fee)

Annual Spend based benefit


Spend ₹50,000 and above in each calendar quarter and get ₹500 worth gift vouchers

Renewal Offer


Spend ₹50,000 and above in the first year and get renewal membership fee waived off

Smart EMI


HDFC Bank MoneyBack Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here.

Contactless Payment


  • The HDFC Bank MoneyBack Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  • To see if your Card is contactless, look for the contactless network symbol on your Card.

    ​​​​​​​(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Reward Point/CashBack Redemption & Validity


Reward Points Accrual:

  • Reward Points accumulated on HDFC Bank MoneyBack Credit Card can be redeemed against statement balance at the rate 1 RP = ₹0.20
  • For redemption against statement balance, Cardholder must have minimum  2500 Reward Points


Reward Point Redemption:

  • Reward Points can also be used for redemption against travel benefits like Flight & Hotel bookings , where Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 RewardPoint = upto ₹0.25.
  • With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
  • With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 50,000 rewards points.
  • With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.

Click here to know more

Reward Points Validity:

  • Reward Points earned on your HDFC Bank MoneyBack Credit Card are valid only for 2 years from the date of accumulation.


1 RP Equivalent to

Product Catalogue

upto 0.25

Unified SmartBuy (Flights/Hotels)

0.2

Cash back

0.2

Airmiles

0.25

ELIGIBILITY

FEES & CHARGES