What is the annual fee for HDFC MoneyBack+?

Annual fee for HDFC MoneyBack+ is ₹500 + GST, waived on ₹50K+ annual spend.

What is the reward rate on HDFC MoneyBack+?

HDFC MoneyBack+ offers 2% cashback on general spends.

Minimum income for HDFC MoneyBack+?

Minimum income required is ₹3.6 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Mastercard

HDFC Bank

HDFC MoneyBack+

Best beginner cashback card — 4% on online and groceries

Annual Fee

₹500

Reward

2% cashback

GenieScore

51/100

Expert

3.8/5★

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About this Card

HDFC MoneyBack Plus is designed for first-time credit card users who want simple, reliable cashback without complex conditions. 4% on online shopping and groceries, 2% on everything else, waived fee at ₹50K spend — it is the easiest HDFC card to get and maintain.

Key Features

🏆

4% cashback on online & grocery spends

✈️

2% cashback on all other purchases

💰

CashBack as statement credit — no redemption needed

🎁

Fee waived on Rs.50,000 annual spend

⚡

Zero forex markup on international transactions

Pros

✓4% cashback on online shopping and grocery spends

✓2% cashback on all other purchases — no category exclusions

✓Annual fee waived at just ₹50,000 annual spend — very achievable

✓CashBack credited as statement credit directly

✓Zero forex markup on international transactions

Cons

✗No lounge access at any fee level

✗Lower reward rate than Millennia for dedicated online shoppers

✗0% on UPI — very common limitation

✗CashPoints expiry if not redeemed in 2 years

Quick Specs

💳Card TypeCashback

🌐NetworkMastercard

💰Annual Fee₹500 + GST

🎯Base Reward2% cashback

✈️LoungeNot included

📱UPI RewardsNot available

🌍Forex✓ Zero Markup

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

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