HDFC Money Back Credit Card | Features And Benefits | Review 2019

HDFC Money Back Credit Card is the best entry level and cashback credit card. After launching in 2014 money back has become quite more popular among best credit cards in India.

Money Back is a multipurpose credit card you can use for your daily shopping and other payment needs.

Started banking in 1994 HDFC Bank has become the 2nd largest private sector bank in India.

From the day first when HDFC Introduce its first Credit Card to till now, HDFC has offered many alternative variants in credit cards.

HDFC Money Back Credit Card

HDFC money back Credit card is one of the best CashBack & Reward Credit Cards In India.

hdfc money back credit card review

The card comes with a different type of attractive features and benefits included fuel, shopping, dining, rewards point, cash advance, etc.

The best benefit of Money back credit card is its reward points which will give you cash back or cash adjustment facility.

For each of 150/- INR transaction, you will earn 2 rewards points. And your rewards points will never expire.

Each reward point value is around 0.30. INR, which you can adjust to your monthly bill.

So if you have collected 1000 reward points you can get a cash back of 300/RS.

The Cashback amount will be adjusted to your next/existing monthly bill.

HDFC Money Back Credit Card Features:

You will get Fuel Surcharge Waiver on all leading fuel outlets (capped at Rs. 250 every billing cycle).

Earn 2 Reward Points for each 150/- INR spend, you can earn 6 Reward points if you spend 150/- RS online.

An interest-free time period for up to 50 days. (After 3.40% monthly interest).

Zero lost card liability if you inform bank customer care in the first 24 hrs.

You can save up to 5000 INR in a year if you use the money back credit card for your daily shopping/purchases needs.

Adjust your all earned reward points to your existing or upcoming monthly bill. 100 reward points value will be 30 INR.

HDFC Money Back is a chip & pin enabled credit card so no one can use it without your thumb.

Why Should You Go For HDFC Money Back?

For beginners, HDFC Money back credit card will be the best choice.

The card is easy to use and anyone who is earning more than 15K per month can apply for this card.

Money back will give you an easy way to shop & purchase either online or direct from merchants.

The Card comes with little annual fees of 500/- RS, but you can get it waived off with two different conditions.

  1. You get your first-year fee reversed if you spend Rs. 10,000 in the first 90 days of card issuance date and renewal fee reversed if you spend Rs. 50,000 in a year prior to the renewal date
  2. Apply for Money Back Card online and after card issuance download HDFC Bank PayZapp Application on your mobile. Simply activate the application with your latest issued HDFC credit card.

Personally, I'm using many credit cards from different banks. But HDFC Money Back, ICICI Platinum Chip, & Standard Chartered Platinum Rewards card is still my preferred choice for new card users.

Read - How to improve your low CIBIL score?

HDFC Money Back Credit Card


Fuel Benefits


Cash Back On Rewards


Rewards Points



  • Easy To Apply
  • Worldwide Acceptance
  • Unlimited Rewards Points


  • Less Rewards Point (2 RP For 150/-)
  • Monthly Rate Of Interest (3.40%)

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