HDFC Bank MoneyBack+ is best for low-cost starter card for amazon, flipkart and swiggy. 10X CashPoints (up to 2.5%) on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart SuperStore.
Effective value back per ₹100 spent. 10X CashPoints (20 per ₹200, up to 2.5% value back) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket; base rate on a ₹200 basis since May 2026.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹3,060 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹5,565 |
| Frequent traveller ₹8,04,000/yr spend | ₹-1,386 |
| Family & groceries ₹5,88,000/yr spend | ₹3,480 |
None
Devaluation HDFC Bank
Partner value-back fell from about 3.3% to 2.5%.
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The HDFC Bank MoneyBack+ credit card has a joining fee of ₹500 and an annual fee of ₹500, plus 18% GST. The annual fee is waived if you spend ₹50,000 or more in a card year.
The HDFC Bank MoneyBack+ card is best for: low-cost starter card for amazon, flipkart and swiggy. Its main strengths are: 10x cashpoints (up to 2.5%) on amazon, flipkart, swiggy, bigbasket and reliance smart superstore; fee waived at just ₹50,000 yearly spend. Its main drawback: partner value-back cut from about 3.3% to 2.5% in may 2026.
The HDFC Bank MoneyBack+ card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
No, the HDFC Bank MoneyBack+ card does not offer complimentary airport lounge access.