What is the annual fee for the HDFC Bank Moneyback Plus?

The annual fee for the HDFC Bank Moneyback Plus is ₹500. It can be waived on annual spends of ₹50,000.

Does the HDFC Bank Moneyback Plus offer airport lounge access?

The HDFC Bank Moneyback Plus does not include complimentary airport lounge access.

What rewards does the HDFC Bank Moneyback Plus earn?

It earns 0.33% on eligible spends as Reward Points.

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Moneyback Plus — HDFC Bank Credit Card | Card Manager

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HDFC

entry

•••• •••• •••• 0000

Moneyback Plus

RuPay

Moneyback Plus

HDFC Bank • RuPay• Entry

Available onRuPayUPIVisa

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Annual Fee

₹500

Base Reward Rate

0.33%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

₹500

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹66

Dining₹5,000/mo

+₹17

Grocery₹8,000/mo

+₹26

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹17

Online Shopping₹8,000/mo

+₹266

Utilities₹3,000/mo

+₹10

Annual earnings

₹4,820

Blended 0.77% effective return

Monthly spend₹52,000

Monthly earnings+₹402

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

10X (20 pts/₹150) on Amazon/Flipkart/BigBasket/Reliance Smart Superstore/Swiggy. Cap 2,500 RP/mo combined 10X/5X. 1% fuel waiver.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
0.33% base reward rate on all eligible spends. 2 pts/₹150 base.
0.33%medium
Online: 3.33% — 10X on Amazon/Flipkart/BigBasket/Swiggy etc.
3.3% · cap 2,500/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None

Payments

Joining fee: ₹500. Annual: ₹500.
₹500
Annual fee waived on spending ₹50,000 per year.
Spend ₹50,000
Milestone: spend ₹50,000/quarter → Gift voucher worth ₹500 on spends of ₹50,000 in a calendar quarter (max ₹2,000 in a year)
+₹500 valuehigh