CardIQIndia
Corroborated — 3 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
25
#155 of 173 in credit
HDFC Bank

HDFC MoneyBack Credit Card

creditVisa

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value5/100 · weight 65%
≈ 0.26% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.63%(2.5 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.08%(0.31 pts @ ₹0.25)——