SELECT `id` FROM `tbl_card` WHERE `title` = 'Hdfc Bank Money Back Card' AND `card_type` = 'Credit Cards' HDFC Bank Money Back Card - Eligibility, Annual Fee, Lounge access

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HDFC BANK MONEYBACK CREDIT CARD

HDFC MoneyBack credit card is a credit card which features attractive cashbacks as compared to other credit cards by HDFC bank. This card, as the name suggests, gives you the chance to earn a number of cashbacks on the spends you make using the card. Besides that, HDFC MoneyBack card offers you reward points which you can redeem for cash, air miles and gifts. That is not it. There are a multitude of features and benefits including the fuel surcharge waiver, EMI option and the vouchers that you can count on this card for. It is a  credit card which features safe transactions. Read on to know more about the HDFC MoneyBack credit cardSalaried and self employed individuals are eligible to take the moneyback credit card. To apply for an HDFC Bank moneyback card, you should have a good credit history and fixed flow of income.

HDFC Moneyback Credit Card Fee & Charges

To apply for a moneyback credit card, you have to pay fees and charges applied by the HDFC Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from HDFC Bank i.e joining fee, annual fee, interest rate, late payments charges etc.

Joining Fee

Rs 500

Annual Fee

Rs 500

Interest Rate

3.49% per month

Cash Advance Limit

40% of the credit limit

Cash Withdrawal Fee

2.5% on the amount withdrawn (Minimum Rs 500)

Reward Redemption Fee

Rs 99 on every request

Over Limit Fee

2.5% on the overlimit amount (Minimum Rs 500)

Late Payment Charges

Minimum Rs 100

Payment Return Fee

2% of the payment amount (Minimum Rs 450)

Cash Processing Fee

Rs 100

Reissue of lost/stolen card

R 100

Outstation Cheque Processing Fee

Rs 25 on cheque value of up to Rs 5,000

Rs 50 on cheque value of more than Rs 5,000

Foreign Currency Transaction Fee

3.5%

Features and Benefits of HDFC Money Back Credit Card

Here are the features and benefits of HDFC Money Back credit card. 

  1. Joining Perks : On applying for the HDFC MoneyBack credit card, you get to enjoy 500 reward points as a joining benefit. 500 reward points are also granted at the time of renewal of your card. 

  2. Cashback : You earn 2 reward points on the spends made for retail purchases and 2x reward points on online purchases. These reward points can be redeemed for cash (100 rewards points = Rs 20). 

  3. Voucher : You get to enjoy an e-voucher worth Rs 500 on your spends of Rs 50,000 or more made for retail purchases. This e-voucher remains valid for 60 days.

  4. Fuel Surcharge Waiver : The HDFC MoneyBack credit card offers fuel surcharge waiver with which you get to save up to Rs 1,800 on your spends on fuel every year. This facility is available on the minimum transaction of Rs 400 and can be enjoyed at all the petrol stations across India. 

  5. Zero Liability on Lost Card : MoneyBack credit card by HDFC bank also offers relief at the time of loss of your card. In case you lose your card, you can enjoy zero liability on fraudulent transactions made with your card. You can avail this ever after reporting the loss of your card. 

  6. EMI Facility : Want to pay off your dues flexibly? HDFC MoneyBack credit card offers you the SmartEMI feature that allows you to convert your transactions into Equated Monthly Installments (EMIs) which enables you to pay off the bill with ease. 

  7. Interest Free Credit Period : The MoneyBack credit card gives you 50 days of interest free credit that starts from the date of purchase. 

  8. Revolving Credit : On your HDFC bank MoneyBack credit card, you get to enjoy revolving credit at nominal interest rate. 

  9. Renewal Benefit : If you make the spends of Rs 50,000 or more in a year with your HDFC MoneyBack card, the renewal membership fee will be waived off by the bank.

HDFC MoneyBack Credit Card SmartEMI

When you don’t want to pay all of your credit card transactions in one go, the HDFC MoneyBack credit card SmartEMI feature is all you need. With this facility you can convert your transactions into EMIs and pay them off at affordable interest rates. 

Here are the features of HDFC Credit Card SmartEMI facility:

  1. You can convert the transactions into EMIs at affordable rates.

  2. You get repayment tenure options ranging from 6 months to 24 months.

  3. You get only 60 days to convert the transactions into EMIs. 

  4. You can convert your transactions made on apparel, travel, medical, fuel, groceries, electronics, education and insurance.

  5. The processing fee of Rs 799 + GST is applicable when on EMI conversion of your outstanding balance. 

HDFC MoneyBack Credit Card SmartEMI Eligibility

To check whether you can convert your HDFC MoneyBack credit card outstanding balance into EMIs, you can try the following methods. 

  • PhoneBanking: The HDFC PhoneBanking is a 24x7 service that will help you with the process to know your eligibility for the SmartEMI facility. 

  • NetBanking: To know if you're eligible for SmartEMI, you can use HDFC NetBanking. Log into your account and go to the “Credit Cards” option under the “Cards” section. Click the “Transact” option and choose “Smart EMI”. 

  • Customer Care: You can contact the bank on their customer service number and talk with the sales executive. They will inform you about the EMI eligibility.

  • SMS: The bank sends SMS alerts on your registered mobile number, informing you that you are eligible for the Smart EMI facility. 

Eligibility Criteria for HDFC Bank MoneyBack Credit Card 

You need to meet these requirements as per the eligibility criteria set by HDFC bank to get the MoneyBack credit card. 

ELIGIBLE 

Salaried and self employed individuals 

AGE 

For salaried = 21 years to 60 years 

For self employed = 21 years to 65 years 

INCOME 

For salaried = Rs.25000 per month 

For self employed = Rs.6 lakh per annum

Credit Score

You must have a good credit history.

Documents Required for a HDFC MoneyBack Credit Card

Here are the documents required to get a HDFC MoneyBack credit card:

  • KYC Documents

  • Salary Slips/Bank Statements/ITR as Income Proof

  • PAN Card

  • Others (as per bank’s discretion)

HDFC MoneyBack Credit Card Bill Payment

You can use the following channels to pay off the HDFC MoneyBack credit card bills:

  • Mobile App

  • NetBanking

  • Cash 

  • Cheque

  • Use any other bank account

Other products of HDFC Bank

1. HDFC Bank Car Loan

2. HDFC Bank Business Loan 

3. HDFC Bank Credit Card

4. HDFC Bank Used Car Loan

How to Apply for a HDFC MoneyBack Credit Card

You can contact the customer service and enquire about the procedure to apply for the HDFC MoneyBank credit card. Alternatively, you can visit the HDFC bank official website and apply for the card from there.

There are two reason to apply for HDFC Bank Moneyback Card :

1. Offline Method : By visiting the nearest branch of HDFC Bank.

2. Online Method  :

  • Enter the required details and proceed

  • Filter the results of HDFC credit cards and then you can find HDFC Bank MoneyBack credit card in the list

  • Click on ‘Check Eligibility’ and enter some more details to verify your eligibility for the card

  • If approved, you can fill out the detailed form and submit

  • After successful online application, you will get a call from the executive to arrange for collecting your documents at your doorstep

HDFC Bank Moneyback Card Customer Care

Contact number : 18002664332

Email id : customerservices.cards@hdfcbank.com

Financials products offered by Bank

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

FAQ's on HDFC Bank Moneyback Card

1. What is the credit limit on HDFC MoneyBack credit card?

There is no preset credit line for HDFC bank MoneyBank credit card. The credit limit you get on your MoneyBack credit card totally depends on your income range and your capacity to pay off the dues. The bank determines the credit limit based on your income and your credit history. Know that the minimum amount of credit limit on this HDFC credit card is Rs 25,000 and the maximum credit limit goes up to Rs 1.5 to 2 lakh. 

2. How can I redeem reward points on my HDFC MoneyBack credit card?

First things first, you need to earn at least 500 reward points on your HDFC MoneyBack credit card in order to redeem them. Every 100 reward points come with Rs 20 for you which you can redeem on gifts, cash and air miles. If you have earned 500 points or more then you can redeem them simply by using HDFC NetBanking. 

3. Can I withdraw cash with my HDFC MoneyBack credit card?

Yes. You can withdraw cash using your HDFC MoneyBack credit card. Know that you are charged 2.5% to 3% fee every time when you make cash withdrawal using this credit card.

Last Updated on : 08/Mar/2021

Know More About CREDIT CARDS

Hdfc Bank Money Back Card

You're eligible for a Hdfc Bank Money Back Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account