CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC MoneyBack Credit Card

24
Ranked #139 of 170 in credit
creditVisa/MastercardEntry-levelLegacy · discontinued

Legacy HDFC entry-level cashback card, DISCONTINUED for new applicants and replaced by HDFC MoneyBack+ Credit Card, which offers 10X CashPoints on partner brands and quarterly lounge access.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value7/100 · weight 71%
≈ 0.36% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks11/100 · weight 9%

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
Waiver: Waived on Rs 50,000 annual spend in first/anniversary year (historical — card no longer accepting applications)
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_shoppingpoints0.53%(2.67 pts @ ₹0.20)₹500 / monthly4 points per Rs 150 online = 2.67% nominal; capped 500 points/statement cycle since 15 Jul 2020; DISCONTINUED card
online_spendspoints0.63%(2.5 pts @ ₹0.25)——
all_spendspoints0.27%(1.33 pts @ ₹0.20)—2 points per Rs 150 = 1.33% nominal; DISCONTINUED card, historical data
fuelpoints0.25%(1 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——

Welcome offer

500 CashPoints on joining/renewal fee payment (historical)

Milestone benefits

Pros

  • Was a strong entry-level cashback card with decent online-spend multiplier and achievable quarterly voucher milestones

Cons

  • DISCONTINUED — HDFC official page confirms not accepting new applications
  • superseded by HDFC MoneyBack+ Credit Card which offers higher 10X rates and lounge access

What's inside

More benefits

  • Quarterly e-voucher choice

    ₹500

    Choice of e-voucher from Pizza Hut, BookMyShow, Bata, Levis, Woodland, Mainland China, Myntra

    Cap ₹2,000 / quarterly. Rs 50,000 quarterly spend; DISCONTINUED card

Insurance cover

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Eligibility

text
Salaried: age 21-60, income Rs 25,000/month; Self-employed: age 21-65, ITR Rs 6 lakh+/year (historical criteria)

Small print

Fuel surcharge:1% fuel surcharge waiver on min Rs 400 transaction, capped Rs 250/statement cycle