HDFC BankVisa · MastercardLast checked 12 Oct 2026closed to new applicants
The HDFC MoneyBack Credit Card costs Rs 500 a year, waived if you spend Rs 50,000 in a year. Its base return is 0.33%. Accelerated earn: 2X online: 4 RP per Rs 150 on online spends (page FAQ). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Card design: hdfc.bank.in
Annual fee
Rs 500+ GST
Fee waived at
Rs 50,000annual spend
Base return
0.33%
Forex markup
3.5%
Interest
3.75%a month
Fees
Joining fee
Rs 500
Annual fee
Rs 500
Annual spend that waives the fee
Rs 50,000
Fee notes
Joining Rs 500 + taxes; renewal Rs 500 + taxes from year 2, waived on Rs 50,000 annual spend (product page).
Rewards
Welcome benefit
500 Reward Points on card activation, after payment of the joining fee
Reward currency
Reward Points
Base earn
2 RP per Rs 150 (page FAQ). The benefits section of the same page words the online offer as '2X Reward Points on every Rs 200 spent online'
Base return
0.33%
Point value
1 RP = up to Rs 0.25 product catalogue; Rs 0.20 SmartBuy flights/hotels; Rs 0.15 cashback; 0.25 airmile
Accelerated earn
2X online: 4 RP per Rs 150 on online spends (page FAQ)
Caps
Extra online points capped at 500 per statement cycle; max 15,000 RP per cycle; grocery 1,000 RP/month. Redemption: 3,000 points per month as cashback; flights/hotels 50,000 per month and 50% of booking value
Spends that earn nothing
No points on rent and government transactions (product page, from 1 Jan 2023); wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps, fuel (MITC)
Points expiry
2 years from accumulation
Milestone benefits
Rs 500 gift voucher on Rs 50,000 spend in a calendar quarter (once per quarter)
Reward notes
Redemption fee Rs 99 + GST (MITC). Min 2,500 points to redeem against the statement. base_return_pct = 2 RP per Rs 150 x Rs 0.25 (catalogue/airmile ceiling) = 0.33%; both figures from the product page. On SmartBuy travel it is 0.27%, as cashback 0.20%.
Travel and perks
Domestic lounge
None
International lounge
None
Forex markupunverified
3.5%
Fuel surcharge waiver
1% on txns Rs 400-5,000, cap Rs 250 per statement cycle
Other freebies
Up to 20% off on Swiggy Dineout via Good Food Trail; up to Rs 1,000 cashback on 200+ brands via PayZapp
Sourcing stopped; existing cardholders keep the benefits (product page)
Fine-print notes
Legacy card; the product page confirms sourcing has stopped. The page is inconsistent on the earn base (Rs 150 in the FAQ, Rs 200 in the headline). Product page read 2026-10-12; forex markup is not on it. Conflicts with earlier data (issuer page used): point_value: earlier data gave Rs 0.25 for SmartBuy; product page table says Rs 0.20 on SmartBuy flights/hotels, with Rs 0.25 only for catalogue and airmiles. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.
Questions
What is the annual fee of the HDFC MoneyBack Credit Card?
Rs 500 a year, before GST. It is waived if you spend Rs 50,000 in a year.
Does the HDFC MoneyBack Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the HDFC MoneyBack Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC MoneyBack Credit Card?
No points on rent and government transactions (product page, from 1 Jan 2023); wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps, fuel (MITC)
