Last updated: |Data verified from official bank sources
Entry
HDFC MoneyBack Plus
HDFC Bank
Best for: First credit card for beginners
₹500
Annual Fee
0.5%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: First credit card for beginners
Fees & Charges
Joining Fee₹500
Annual Fee₹500
Fee WaiverSpend ₹50K annually
Rewards
TypeCashback
Base Rate0.5%
Effective Return0.5%
Accelerated Categories
Online2X (1%)
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹3.0L/year
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for HDFC MoneyBack Plus?▼
HDFC MoneyBack Plus has an annual fee of ₹500. Spend ₹50K annually
What rewards does HDFC MoneyBack Plus offer?▼
HDFC MoneyBack Plus offers 0.5% on all spends, with an effective value of 0.5%.
Does HDFC MoneyBack Plus have lounge access?▼
HDFC MoneyBack Plus does not include complimentary lounge access.
What is the minimum income required for HDFC MoneyBack Plus?▼
The minimum income requirement for HDFC MoneyBack Plus is ₹3.0 lakhs per annum.
Information sourced from HDFC Bank official website. Last verified: February 2026.
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