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HDFC Bank
Ten times the CashPoints on Amazon, Flipkart, Swiggy and BigBasket, on a Rs. 500 card.
One-time
Waived on ₹50,000/yr
Uncapped rewards
Score 750+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from HDFC Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Food delivery
No published ceiling on this tier
Groceries
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Online shopping — 10X CashPoints on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore and Swiggy., with no stated cap.
Biggest limitation
A CashPoint is worth Rs. 0.25 against the statement, so 10X on the partner brands is an effective 3.3% back and the base rate is about 0.33%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedOnline shopping
10X CashPoints on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore and Swiggy.
10 pts
uncappedFood delivery
10X CashPoints on Swiggy.
10 pts
uncappedGroceries
10X CashPoints on BigBasket and Reliance Smart SuperStore.
1.33 pts
uncappedEverything else
Base rate: 2 CashPoints per Rs. 150 on all other spends, written here per Rs. 100.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹500 | Renewal fee of Rs. 500 + GST is waived on annual spends of Rs. 50,000 or more. |
| Add-on card | Not published by HDFC Bank for this card. Confirm on the card MITC before requesting an add-on card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500. |
| Late payment | Not published by HDFC Bank in the summary for this card. The slab table is in the card MITC. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹50,000 a year
is what it takes to keep the ₹500 fee off — about ₹4,167 a month
Not offered on this card.
1% waiver. 1% fuel surcharge waiver, capped at Rs. 250 per statement cycle. Fuel spends earn no CashPoints.
UPI credit-card linking is available only on RuPay credit cards.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹50,000 a year — about ₹4,167 a month
Gift voucher on spends of Rs. 50,000 or more in a calendar quarter.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| HDFC MoneyBack Plus Credit Card · this card | ₹500 | 10% online shopping | No |
| Marriott Bonvoy HDFC Bank Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹500 plus GST, waived on ₹50,000 of annual spend.
The strongest published rate is 10% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
UPI credit-card linking is available only on RuPay credit cards.
Fuel transactions Wallet loads Prepaid card loads Voucher purchases EMI transactions Cash advances and ATM withdrawals No rewards on fuel transactions, wallet loads, prepaid card loads, voucher purchases, emi transactions, cash advances and atm withdrawals. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Statement credit against the card balance, Products and vouchers on HDFC Bank SmartBuy
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
10 CashPoints per Rs. 100 on online shopping, food delivery and groceries, and about 1.33 CashPoints per Rs. 100 on other spends. A gift voucher is added when you spend Rs. 50,000 or more in a calendar quarter, and the Rs. 500 annual fee is waived at Rs. 50,000 of annual spending.
Rs. 0.25 when adjusted against the statement balance, so 10 CashPoints per Rs. 100 works out to 2.5% back. CashPoints can also go towards products and vouchers in HDFC Bank's SmartBuy catalogue.
Yes, 1% capped at Rs. 250 per statement cycle. Fuel spends earn no CashPoints.
Only on a RuPay variant — RuPay credit cards can be linked to UPI apps for merchant payments, while Visa and Mastercard credit cards cannot.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
HDFC MoneyBack Plus Credit Card — 10% on online shopping. ₹500 a year.