Offer Truth
- Joining fee₹500
- Annual fee₹500
- Waiver threshold₹50,000
- Cap typemixed
- Cap resetmixed
- Last verified2026-02-13
Back to Browse
Step 1 Step 2 Step 3 Fresh• 1h old
Fresh• 1h old Fresh• 1h old Fresh• 1h old Fresh• 1h old Fresh• 1h old
HDFC • Visa
HDFC MoneyBack+
10X CashPoints on Amazon/Flipkart
Reviewed by CardWise Editorial Team
Last Verified: 2/13/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹500Waived on ₹50k spend
Base Reward0.3%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,518Based on ₹4.8L annual spend
No Complimentary Lounge Access
This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.
Fee waiver & value estimator
Adjust your spend to see fee waiver eligibility and capped rewards.
Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,188
Assumes base reward rate only.
Annual feeWaived
Waived on ₹50k spend
Net value₹1,188
Estimated savings per year.
Fee waiver target: ₹50,000 annual spend.
Reward Rate Breakdown
Category-wise reward rates for this card
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
HDFC Millennia
Annual fee: ₹1000
Shared focus: Shopping, Lifestyle+19 more lounge visits in current datasetHigher top earn rate (5.0%)
View DetailsTata Neu Infinity
Annual fee: ₹1499
Shared focus: ShoppingHigher product tier within same bank+17 more lounge visits in current dataset
View DetailsSwiggy HDFC Bank
Annual fee: ₹500
Shared focus: ShoppingHigher top earn rate (10.0%)Estimated +₹6,306/yr value
View DetailsLounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Lounge Eligibility Checklist
Derived from card policy signals
Lounge Spend Tracker
Eligible this quarter: NoTrack lounge eligibility for HDFC MoneyBack+ using your current quarter spend.
₹0 spent₹500 target
Policy signal used: Card-level policy notes: • Quarterly ₹500 voucher Verify latest spend criteria and guest access with issuer before travel.
Spend threshold
Quarterly ₹500 voucher
Quarter / cycle rule
Quarterly ₹500 voucher
Guest access
Guest access policy is not explicitly listed in current data.
Priority Pass
Priority Pass benefit is not listed for this card.
Lounge Locations
No airport-wise rows currently availableAirport-level lounge rows are not currently available for this card. We still show policy checklist details above.
Redemption Optimizer Unavailable
Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Top boost: AmazonExclusion risk: low (16/100)Best redemption: Cashback (Cashback)Value band: ₹0.20-₹0.35/ptForex fee: 3.50%Domains with data: 6
Earn Rule Matrix
Boosted, capped, and zero-reward categories in one table.
| Category / Merchant | Reward | Bucket |
|---|---|---|
| Amazon Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 20 Cashpoints Earn 20 Cashpoints per ₹150 spent | |
| BigBasket Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 20 Cashpoints Earn 20 Cashpoints per ₹150 spent | |
| Flipkart Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 20 Cashpoints Earn 20 Cashpoints per ₹150 spent | |
| Reliance Smart Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 20 Cashpoints Earn 20 Cashpoints per ₹150 spent | |
| Swiggy Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 20 Cashpoints Earn 20 Cashpoints per ₹150 spent | |
| Online Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 4 Cashpoints Earn 4 Cashpoints per ₹150 spent | |
| Fuel Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 3.7K CashPoints No rewards on this category | |
| Wallets Base: 2 CashPoints per ₹150 spent Note: Categories or merchants not listed below will earn base rewards | 3.7K CashPoints No rewards on this category |
Live Offers
Expiring offers are prioritized first, with details and terms.
AJIO.COM
Additional 8% discount
- Additional 8% discount on Ajio Luxe
- Minimum spend of Rs.10000
Terms
- For detailed understanding and learn about the brands part of this offer please click Brand List
- The offer can be used multiple times by a single user
- Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
- Valid on Visa Card
AJIO.COM
Flat 4% off
- Flat 4% off on Ajio
Terms
- This is an AJIO Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. AJIO Luxe GV/GC is redeemable on luxe.AJIO.com.
- The holder of this GV/GC is deemed the beneficiary.
- This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
- Expired GV/GCs cannot be revalidated.
ARROW
Extra 10% off
- Buy for Rs.2499 and get extra 10% off
Terms
- Applicable once per user
- Valid on Visa Card
ABHIBUS
Get 15% off
- Get 15% upto Rs.200 Instant Discount + 10% upto Rs.300 AbhiBus Cashback
Terms
- Valid for the 1st ever transaction on AbhiBus
- Valid only on Private Bus Bookings, not on Govt SRTC bookings
- This offer cannot be combined with any other offer
- AbhiBus reserves the right to disqualify any transaction or discontinue the offer promotion at any time without notice or liability of whatsoever nature.
ABHIBUS
Get 5% Instant Discount
- Get 5% upto Rs.50 Instant Discount on minimum booking value of Rs.400
Terms
- Valid only for Private Bus Bookings, not on SRTC bookings
- Valid once per user
- Valid on Visa Cards
AGODA
Get up to 10% off
Redemption Paths
Transfer ratios, minimum transfer rules, and redemption value hints.
Redemption Value Explorer
Modeled using estimated value-band ranges from enrichment data.
Cashback
Cashback
- 1 reward point is equal to Rs. 0.20, i.e., 100 reward points are equivalent to Rs. 20 cashback.
- A minimum balance of 2,500 reward points is required to redeem reward points against the statement balance.
- The points will be converted into cashback only in multiples of 500.
Catalogue
Catalogue Products
- Redeem by going to the bank's redemption portal.
SmartBuy (Flights & Hotels)
Travel Booking
- Redeem by going to the bank's redemption portal.
Milestones
Spend thresholds and rewards grouped by period.
Milestone ROI Calculator
Estimate incremental value unlocked at the current spend model.
Spend ₹50K per statement quarter
- ₹500 gift voucher.
Benefits
Reusable perks and value-add benefits extracted from validated rows.
Swiggy
Upto 20% discount on partner restaurants via Swiggy Dineout.
- Ongoing
- To avail this benefit, log in to the Swiggy or Dineout app or website using your registered account. Browse the available dining and order-in offers, select your favorite meals or restaurants, and apply the benefit at checkout to enjoy up to 20% savings at 20,000+ partner restaurants. Complete the payment using your HDFC MoneyBack credit card to unlock the offer.
How to avail: To avail this benefit, log in to the Swiggy or Dineout app or website using your registered account. Browse the available dining and order-in offers, select your favorite meals or restaurants, and apply the benefit at checkout to enjoy up to 20% savings at 20,000+ partner restaurants. Complete the payment using your HDFC MoneyBack credit card to unlock the offer.
Swiggy
Upto 20% discount on partner restaurants via Swiggy Dineout.
How to avail: To avail this benefit, log in to the Swiggy or Dineout app or website using your registered account. Browse the available dining and order-in offers, select your favorite meals or restaurants, and apply the benefit at checkout to enjoy up to 20% savings at 20,000+ partner restaurants. Complete the payment using your HDFC MoneyBack credit card to unlock the offer.
Charges
Key fee and charge rows for transparent comparison.
| Charge | Value |
|---|---|
| Joining Fee | ₹500 |
| Renewal Fee | ₹500 |
| Forex Fee | 3.5% |
| Annual Percentage Rate | 45% |
| Add-on Card Fee | ₹0 |
| DCC | 1% |
Key Benefits
- 10X CashPoints on Big Merchants
- 5X on EMI
- Quarterly ₹500 voucher
Things to Consider
- Cashpoints value for cashback is low (0.25)
About HDFC MoneyBack+
HDFC MoneyBack+ is a points card from HDFC, best for beginners & online shopping. It is tagged under shopping, lifestyle categories in our database.
ShoppingLifestyle
Similar Cards You Might Like
Frequently asked questions
Is HDFC MoneyBack+ lifetime free?
It has an annual fee of ₹500. Waived on ₹50k spend
What rewards does HDFC MoneyBack+ offer?
10X CashPoints on Amazon/Flipkart
Does HDFC MoneyBack+ include lounge access?
No complimentary lounge access is currently listed for this card.
Who should consider HDFC MoneyBack+?
Beginners & Online Shopping
Where can I apply for HDFC MoneyBack+?
Check the issuer website for application availability.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-13
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.