Key Features:
- Earn 2 Reward Points on every Rs 150 spent
- 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 of gift vouchers in a year.
(*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)
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 center, 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 the nominal interest rate.
Fuel Surcharge Waiver:
1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹ 400. Max CashBack of ₹ 250 per statement cycle)
Welcome Benefit:
500 Cash Points (applicable only on payment of membership fee)
Milestone Benefit:
Spend ₹20000 & above in the first 90 days and get the first-year membership fee waived off.
Annual Spend based benefit:
Spend ₹50,000 and above in each calendar quarter and get ₹500 worth of 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.
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 Cardholder 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
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 = up to ₹0.25.
Reward Points Validity:
- Reward Points earned on your HDFC Bank MoneyBack Credit Card are valid only for 2 years from the date of accumulation.
| Cost per Point (in Rs) | |||
| Product Catalogue | SmartBuy (Flights/Hotels) 50% capping |
Cashback | Airmiles |
| Up to 0.25 | 0.2 | 0.2 | 0.25 Airmiles |