Card Image
HDFC MoneyBack
Annual Fee
₹500
Rewards/₹100 ⓘ
₹0.33
Normalized to balance base rate with bonus categories
Interest Rate
41.40%
Credit Score
700+
At a Glance
Key Benefits
Reward points
Lounge Access
No lounge access
Eligibility
Any income level, CIBIL: 700+
Quick Details
Annual Fee
₹500
#113
Joining Fee
₹500
#112
Interest Rate
41.40% p.a.
#82
Forex Markup
3.50%
#75
Rewards/₹100
₹0.33
#270
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹NaN
Network VISA
forex_markup 3.50%
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
All Spends
₹0.33 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned667
Cash Value₹167
Breakdown
Other Spends667
Total Value₹167
Quick amounts:
Milestone Benefits
Renewal Benefit
Annual fee waiver on Rs. 50000 annual spend
Spend ₹50,000 within 365 days
₹500
value
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
A basic entry-level card for building credit history with minimal frills.
Pros
- Very low fee, easy approval, basic cashback
Cons
- Low reward rate, minimal benefits, no lounge access
Best For
Entry-level cashback card, low annual fee
Not Ideal For
Limited benefits, basic rewards
Frequently Asked Questions
What is the annual fee for HDFC MoneyBack?
The annual fee is Rs. 500. The fee can be waived on spending Rs. 50000 annually.
What are the eligibility requirements for HDFC MoneyBack?
A good credit score of 700+ is recommended. Income requirements vary based on your relationship with the bank.
Does HDFC MoneyBack offer lounge access?
This card does not include complimentary lounge access as a primary benefit.
What rewards does HDFC MoneyBack offer?
The card offers reward value ranging from 0.50% to 1.00% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 3.50% on international transactions.
Which payment network does HDFC MoneyBack use?
The card is issued on the Visa network.
User Reviews
Ready to Apply for HDFC MoneyBack?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.