HDFC BankClassic

HDFC MoneyBack+ Credit Card

•••• •••• •••• 4242

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Quick facts

HDFC MoneyBack+ Credit Card

Top reward10X points

Annual fee₹500

Min income₹20,000/mo

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🌱First Card / Entry

HDFC Bank · Classic tier

HDFC MoneyBack+ Credit Card

Entry HDFC card

Good starter card with partner accelerators.

Key Benefits

💳

10X on Amazon/Flipkart

🎁

2 RP per ₹150 on other spends

Annual fee

₹500

Top rate

10X points

Min income

₹20,000/mo

Eff. return

0.22%

Realistic net value (moderate user): ₹1,070/year

After ₹500 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹2,200

Before fees & forex

Costs / year

₹1,130

Fee ₹500 + forex ₹630

Net value / year

₹1,070

0.22% effective return on spend

Category-wise breakdown

Online shopping

Spend ₹10,000/mo · 10 pts per ₹150 spend

₹500.00/year

₹41.67/mo

167 pts × ₹0.25 = ₹41.67/mo167 pts/mo @ ₹0.25/ptCap hit at ₹2,500/mo — extra spend earns less

All other eligible spends

Spend ₹30,000/mo · 2 pts per ₹150 spend

₹1,200/year

₹100/mo

400 pts × ₹0.25 = ₹100/mo400 pts/mo @ ₹0.25/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

online shopping — 10 pts per ₹150 spend

You spend

₹2,500

→

You earn

167 pts

Worth ≈

₹41.67

@ ₹0.25/point

Capped at ₹2,500/month spend for accelerated rate

all — 2 pts per ₹150 spend

You spend

₹10,000

→

You earn

133 pts

Worth ≈

₹33.33

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 24 months if unused.

🌱First Card / Entry

Low income threshold, easy approval

Reward Structure

Source: HDFC MoneyBack+ T&Cs

Amazon & Flipkart

10X points

Cap: ₹2,500/mo

Other spends

2 RP/₹150

Excluded categories (no rewards)

EMIFuelRent

Best for

→ Amazon/Flipkart 10X
→ HDFC first card
→ ₹20K+ income

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹500

Annual / renewal fee

Charged every year unless waived

₹500

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹1,700

Signup bonus (year 1)+ ₹500

Annual fee− ₹500

Forex cost− ₹630

Net annual value₹1,070

Eligibility Snapshot

Public criteria from HDFC MoneyBack+ T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹20,000/mo

Min income (self-employed)₹4,80,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierClassic — entry-level product

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC MoneyBack+ Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹1,700/year. After the ₹500 annual fee, net value is approximately ₹1,070/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC MoneyBack+ Credit Card?+

₹20,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.