Fees & charges
| Joining fee | ₹500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹500 + applicable taxes |
| Renewal-fee waiver | ₹50,000 annual spend (renewal membership fee waived on ₹50,000+ spend in the year) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 2 CashPoints per ₹150 spent; 2X (4 CashPoints) per ₹150 on online spends; redeem 100 CashPoints = ₹20 cashback |
|---|---|
| Welcome benefit | 500 CashPoints (applicable only on payment of membership fee) |
| Lounge access | none (not mentioned on HDFC's page) |
| Key benefits | Everyday-spend rewards card: 2 CashPoints/₹150 (2X on online spends), 500 CashPoints welcome, renewal fee waived on ₹50k annual spend |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L359-362 | ₹500 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹50,000 / AnnumMITC v4.3, fee table L359-362 | ₹50,000 annual spend (renewal membership fee waived on ₹50,000+ spend in the year) | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L359-362 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L359-362 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 2 CashPoints per ₹150 spent; 2X (4 CashPoints) per ₹150 on online spends; redeem 100 CashPoints = ₹20 cashback | • |
| Welcome benefit | Not in MITC | 500 CashPoints (applicable only on payment of membership fee) | • |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Enjoy Cashback with Spends on MoneyBack Credit Card | HDFC Bank
- MoneyBack+ Credit Card — Rewarding Credit Card For Everyday Spends
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