HDFC Bank MoneyBack Credit Card

HDFC Bank · ₹500 a year · fee waived on ₹50,000 of annual spend

An entry card with low rewards.

Base rate: 0.2% as Reward Point.

What the bank says

• 2 reward points per ₹150, doubled online
• 500 points on activation
• Renewal fee waived on annual spends of ₹50,000

Where it pays more

• 0.4% on online spends (2X points), with the extra points capped at 500 a month

Things that catch people out

• Points are worth ₹0.15 as cashback, which is what we use.
• No points on rent or government payments.

Joining fee: ₹500. Foreign currency markup: not published. This card is no longer issued.

Read from HDFC Bank’s own page on 2026-09-16.

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