MB
•••• •••• •••• ••••
Money BackHDFC Bank
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 | Joining Membership Fee: ₹500 plus applicable taxes. | ✓ |
| Fee waiver (min spend) | ₹50,000 / AnnumMITC v4.3, fee table L359-362 | Get ₹500 renewal fee waived on ₹50,000+ annual spends on your MoneyBack Card. | ✓ |
| 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 | 1% fuel surcharge waiver on ₹400-₹5,000 transaction amount. The maximum waiver is capped at ₹250 per statement cycle. | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L359-362 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 2X Reward Points on every ₹200 spent online. Reward points are capped at 500/statement cycle, starting 15th July 2020. (Detail: "Offline transactions earn 2 Reward Points (RP) per ₹150, while online/e-commerce transactions yield 4 Reward Points (RP) per ₹150.") | • |
| Welcome benefit | Not in MITC | 500 reward points upon card activation. Applicable only after payment of the joining membership fee. | • |
| Lounge access | Not in MITC | none (not mentioned on HDFC's page) | • |
| Eligibility | Not in MITC | unknown | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page 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
- Joining Membership Fee: ₹500 plus applicable taxes.
- Membership Renewal Fee 2 nd year onwards: ₹500 plus applicable taxes.
- Get ₹500 renewal fee waived on ₹50,000+ annual spends on your MoneyBack Card.
- 2X Reward Points on every ₹200 spent online.
- On crossing spends of ₹50,000 every quarter, get a gift voucher worth ₹500.
Related Rewards & Cashback cards
stop guessing what you earn
Know the fees. Then track what you actually pay.
This catalogue shows the card. OneStatement reconciles your real statements to the paisa — fees audited, rewards tracked, every cycle balanced, 100% on your device. No cloud, no account.