Cards · HDFC Bank

HDFC MoneyBack+ Credit Card: rewards, caps and exclusions

The HDFC MoneyBack+ Credit Card pays about 2.5% on 10X partner merchants, on the first ₹25,000 of spend a month, and 0.25% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 18 August 2026.

Visa, RuPay₹500 a yearPaid in points

What it earns

≈2.5%10X partner merchantson the first ₹25,000 of spend a month

≈0.25%Grocerieson the first ₹1,00,000 of spend a month

≈0.25%Everything else (in store / online)no cap stated

≈0.25%Everything else (UPI)on the first ₹50,000 of spend a month

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Rent
Government payments (since 1 January 2023)
Wallet loads (since 1 September 2024)
EMI conversions
Education fees (since 1 September 2024)
Cash withdrawals and fees

Fees

Annual fee: ₹500, plus 18% GST
Annual fee waived on ₹50,000 of spend in a card year

Where this comes from

Transcribed from HDFC Bank's own documents and checked against them on 18 August 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works