Here are a few factors

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Card Type Mid-level
Best Suited for Fuel Transactions
Joining Fee Rs. 500 (waived off on spending Rs. 20,000 in the first 90 days)
Renewal Fee Rs. 500 (waived off on spending Rs. 50,000 in the previous year)
1 Fuel point 0.96 PAISE
Best feature 5% of your spends at IndianOil outlets as fuel points
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Benefits & Featuresof HDFC MoneyBack Credit Card

You can earn cashback on your transactions with HDFC MoneyBack Credit Card. This is a rare feature and generally not available on the basic credit cards. Your earned rewards points can be converted into cash back, which is a valuable commodity in itself. This allows you to save money on your card expenses. Some of the key features and benefits of HDFC MoneyBack Credit Card are:

1 reward point is equal to Rs. 0.20, which equals 100 rewards points (Rs. 20 cashback).

  • To redeem your rewards, you must have a minimum balance of 2,500 reward points. The great thing is that the points will be converted into cashback only in multiples of 500.

Why must you get this credit card?

HDFC MoneyBack Credit card can be an ideal option for people who are new to credit and don’t want to pay a high annual fee. At an annual fee of Rs. 500, this credit card offers decent benefits and rewards to its users.

Other advantages

  • Welcome benefits: After payment of your membership fee, you will be able to earn 500 cash points.
  • Annual spend-based benefits: If you spend Rs. 50,000 in each calendar quarter, your gift voucher will be worth Rs. 500.
  • Milestone Benefit: Spend Rs. 20,000 & above in the first 90 days and get the first-year membership fee waived off.
  • 1% fuel surcharge waiver at all fuel stations across India ​​​​​​​(on minimum transaction of ₹400. Max CashBack of ₹250 per statement cycle)
Visit Our Website

For the first step, you will have to visit our website to explore the options that fit your needs.

Select and Apply

Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Credit Card!

Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.

Make the Process Easy with the Right Documents

Required Documents

PAN Card

Aadhaar Card

Latest card statement

Voter ID

Driving licence

Current address proof

6 Month vintage proof

The applicant must fulfil the eligibility criteria to apply for this credit card such as below:

  • Occupation: Salaried or Self-employed
  • Minimum Income for Salaried Applicants: Rs. 25,000 p.m
  • Minimum Income for Self-employed Applicants: ITR > ITR > Rs. 6 lakh p.a

HDFC MoneyBack Credit Card: Fees & Charges

  • Joining Fee: Rs. 500
  • Renewal Fee: Rs. 500
  • Annual Fee: Rs. 500
  • Finance Charges: 3.6% p.m. (43.2% p.a.)
  • Late Payment Charges for statement balance:
    • Less than Rs. 100: Nil
    • Rs. 100 to Rs. 500: Rs. 100
    • Rs. 501 to Rs. 5,000: Rs. 500
    • Rs. 5,001 to Rs. 10,000: Rs. 600
    • Rs. 10,001 to Rs. 25,000: Rs. 800
    • Rs. 25,001 to Rs. 50,000: Rs. 1,100
    • More than Rs. 50,000: Rs. 1,300