HDFC MoneyBack – Best Credit Card 2024

In the world of credit cards, the HDFC MoneyBack Credit Card stands out as a popular choice, especially for those new to credit and frequent online shoppers. Offering a blend of cashback and rewards, this card is tailored to maximize your returns on everyday spending. Here’s a closer look at what makes the HDFC MoneyBack Credit Card a smart choice for your wallet.

HDFC MoneyBack Credit Card

Key Highlights of HDFC MoneyBack Credit Card

Earn Rewards2 reward points per Rs. 150 spent; 4 points for online expenditures
Quarterly BonusesGift vouchers worth Rs. 500 every quarter on spending Rs. 50,000; up to Rs. 2,000 yearly
Joining and Annual FeeRs. 500 + taxes
Renewal WaiverSpend Rs. 50,000 in the first year for renewal fee waiver

Features That Make a Difference

Benefit CategoryDetails
Welcome BenefitEarn 500 Cash Points as a welcome bonus upon paying the membership fee.
Annual Spend-Based BenefitsSpend Rs. 50,000 per calendar quarter and earn Rs. 500 worth of gift vouchers.
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000 (max waiver Rs. 250 per statement cycle).

Apply now and start reaping the benefits of every swipe! 🛒💳🎁

Additional Perks

  • Zero Lost Card Liability: Report your lost card immediately to avoid fraudulent charges.
  • Exclusive Dining Privileges: Save up to 20% on restaurant bills through the Swiggy Dineout program.
  • Smart EMI: Convert big spends into easy EMIs post-purchase.

Eligibility and Application Process

CriteriaSalaried IndividualsSelf-Employed Individuals
Age and Income21-60 years, earning Rs. 25,000 per month21-65 years, annual income of Rs. 6 lakhs
Documentation RequiredNational ID card, proof of address, PAN card, Form 16, IT returnsNational ID card, proof of address, PAN card, Form 16, IT returns

Why Choose HDFC MoneyBack Credit Card?

  1. Enhanced Online Rewards: If you’re a regular online shopper, this card offers increased rewards for your digital purchases.
  2. Balanced Fees vs. Benefits: The benefits and cashback outweigh the nominal annual fee, making it a cost-effective option.
  3. Gift Vouchers: The quarterly spend-based gift vouchers add a bonus to your regular spending.
  4. Easy Eligibility: Ideal for those new to credit, with straightforward eligibility criteria.

A Smart Choice for Everyday Spends

Whether you’re starting your credit journey or looking to maximize returns on daily expenses, the HDFC MoneyBack Credit Card is a reliable choice. With its focus on rewarding online purchases, fuel savings, and the potential to earn gift vouchers, this card aligns well with the lifestyle and spending patterns of modern consumers.

Other HDFC Bank Credit Cards

HDFC Diners BlackHDFC Tata Neu Infinity
HDFC Diners PrivilegeHDFC Bharat
HDFC MilleniaHDFC Regalia
HDFC Business MoneybackHDFC Shoppers Stop Black
HDFC Indian OilHDFC Tata Neu Plus
HDFC FreedomHDFC Moneyback Plus

Apply now and start reaping the benefits of every swipe! 🛒💳🎁

Best Credit Cards India in 2024


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