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HDFC Bank

HDFC MoneyBack+

VisaMastercardEntryCashback
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Annual Fee

₹500

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹1,00,000)
Min Monthly Income₹25,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

online2%(cap ₹750)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Often available Lifetime Free through net-banking pre-approved offers.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.

🎯 Pro Tips

  • ▸Decent 2% on online spends
  • ▸Good starter HDFC card before upgrading to Regalia

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹14,500

Effective Rate

1.2%

Ranked #46 of 173 cards#46

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

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