MoneyBack+

Joining ₹500 · Annual ₹500 · Renewal fee waived on spends of ₹50,000 or more in the preceding membership year

Fee break-even: ≈₹2,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns CashPoints · assumed 0.25 ₹/point. 1 CashPoint = ₹0.25 as cashback against the statement. The same ₹0.25 applies to the SmartBuy products/vouchers catalogue and to SmartBuy flight/hotel bookings (1 CP = 0.25 AirMiles for airmiles transfer), so there is no better route. Cardholder must hold CashPoints worth at least ₹500 (~2,000 CP) to redeem, and a ₹99 + GST redemption handling fee applies per request. Cashback redemption is capped at 50,000 CashPoints per calendar month. SmartBuy travel redemption may cover at most 50% of booking value, and products/select vouchers at most 70%. Unredeemed CashPoints lapse 2 years after accrual.

Verified 9 Aug 2026

Forex markup3.5%

GolfNone

ConciergeNone

Domestic loungeNone

International loungeNone

EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · EMI and SmartEMI spends earn nothing, and 10X is explicitly void on EMI. Post-facto EMI conversion reverses points already earned

Fuel surcharge1% on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle

Milestones

◆ Spend ₹50,000 per quarter → ₹500 gift voucher (maximum ₹2,000 in a year) Worth ₹500

Return by category

Category	Return	Notes
Online spend	0.25%	10X = 20 CashPoints per ₹200 on Amazon and Flipkart, on app, website or physical store. Credited only when the merchant's TID/MID is in HDFC's 10X set-up. Not applicable to EMI transactions, and not applicable if the spend is routed via SmartBuy/PayZapp. All other online shopping earns the 0.25% base.
Amazon	2.5%	10X bucket capped at 2,500 CashPoints per calendar month (~₹25,000 of 10X spend), shared across all five 10X merchants · 10X = 20 CashPoints per ₹200 on Amazon and Flipkart, on app, website or physical store. Credited only when the merchant's TID/MID is in HDFC's 10X set-up. Not applicable to EMI transactions, and not applicable if the spend is routed via SmartBuy/PayZapp. All other online shopping earns the 0.25% base.
Flipkart	2.5%	10X bucket capped at 2,500 CashPoints per calendar month (~₹25,000 of 10X spend), shared across all five 10X merchants · 10X = 20 CashPoints per ₹200 on Amazon and Flipkart, on app, website or physical store. Credited only when the merchant's TID/MID is in HDFC's 10X set-up. Not applicable to EMI transactions, and not applicable if the spend is routed via SmartBuy/PayZapp. All other online shopping earns the 0.25% base.
Subscriptions & OTT	0.25%	Uses its online rate
Offline spend	0.25%	Base rate
UPI spending	0.25%	500 CashPoints per calendar month (~₹50,000 of UPI spend) · RuPay variant only. HDFC issues MoneyBack+ on both Visa and RuPay, and only the RuPay card can be linked to a UPI app. UPI spends earn the base 2 CashPoints per ₹200 with a separate 500 CashPoint monthly ceiling. Rent, fuel, wallet and government MCCs stay excluded on UPI too, as do the NPCI-restricted categories (P2P, P2PM, ATM/merchant cash withdrawal, e-RUPI, IPO, mutual funds, lending platforms).
Dining	0.25%	The 10X is Swiggy only. Restaurants, Zomato and other food apps earn the 0.25% base.
Swiggy	2.5%	Shares the 2,500 CashPoints/calendar month 10X ceiling · 10X applies to Swiggy only (20 CashPoints per ₹200). Restaurants, other food-delivery apps and Zomato earn the 0.25% base. Swiggy Dineout offers up to 20% off but is a discount, not extra CashPoints.
Zomato	0.25%	Uses its dining rate
Groceries	0.25%	The 10X is BigBasket and Reliance Smart SuperStore only. Every other supermarket and the ten-minute apps earn the 0.25% base.
Quick commerce	0.25%	Uses its groceries rate
Swiggy Instamart	0.25%	Base rate
Blinkit	0.25%	Base rate
BigBasket	2.5%	Grocery-MCC CashPoints capped at 1,000 per calendar month HDFC-wide (~₹10,000 of 10X grocery spend, ₹250 of value). This bites well before the 2,500 CashPoint 10X ceiling · 10X on BigBasket and Reliance Smart SuperStore (20 CashPoints per ₹200). The 1,000-point grocery ceiling applies to all HDFC cards outside the Infinia/Diners/Regalia tier, so grocery is the most capped part of this card. Other supermarkets earn the 0.25% base.
Movies & shows	0.25%	Base rate
BookMyShow	0.25%	Base rate
PVR INOX	0.25%	Base rate
Fuel	0%	No CashPoints on fuel spends at all. 1% HDFC fee also applies above ₹15,000/month
Travel (general)	0.25%	Base rate
Flights	0.25%	Base rate
Hotels	0.25%	Base rate
MakeMyTrip	0.25%	Base rate
IRCTC rail	0.25%	Base rate
International	−3.25%	0.25% reward − 3.5% forex markup
Utilities & bills	0.25%	Base rate
Rent	0%	No CashPoints on rent. 1% HDFC fee applies on every rent transaction, capped ₹4,999
Education fees	0.25%	Base rate
Insurance premiums	0.25%	Base rate
Government & tax	0%	Government-related transactions earn no CashPoints
Wallet loads	0%	Wallet/prepaid reloads (MCC 6540) earn nothing. 1% HDFC fee above ₹10,000/month
Anything else	0.25%	Base rate
Jewellery	0.25%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome benefit: 500 CashPoints (₹125) on payment of the joining fee. Renewal benefit: 500 CashPoints on payment of each renewal fee
10X earning is capped at 2,500 CashPoints a month, which takes about ₹25,000 of 10X spend to fill.
Up to 20% off at 2,000+ restaurants via Swiggy Dineout
HDFC bank-wide 1% transaction fees, each capped ₹4,999 per transaction: rent (every transaction), wallet loads above ₹10,000/calendar month, online skill-based gaming above ₹10,000/calendar month, fuel above ₹15,000, utilities above ₹50,000/calendar month, and education paid via third-party apps (direct payments to schools/colleges are exempt)
All reward caps and the 10X ceiling run on the calendar month (1st to 30th/31st), so points post in the statement after the month in which the transaction settled. Not the cycle you spent in
SmartBuy brand-voucher accelerator (Gyftr/Woohoo) capped at 1,000 bonus points per month for this card tier

Other exclusions

Gift/prepaid card loads and voucher purchases earn no CashPoints
EMI and SmartEMI spends earn nothing, and 10X is explicitly void on EMI. Post-facto EMI conversion reverses points already earned
Cash advances and payment of outstanding balances, fees, charges and interest earn nothing
No reward points on online skill-based gaming (HDFC-wide). 1% fee above ₹10,000/month

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 9 Aug 2026.