HDFC Bank Money Back Credit Card- One of the most well-liked entry-level credit cards in India is HDFC Money Back, which provides cashback on all purchases. If you do a lot of online shopping, this is a great option because it gives you more rewards for doing so. If you’re new to credit and want to get started, you can apply for this credit card. In comparison to the annual fee, this credit card’s benefits are quite satisfactory. To help you figure out if the HDFC Money Back Credit Card is right for you, here are some in-depth details.
This exclusive HDFC Bank Money Back Credit Card comes with a slew of perks for all of your transactions. If you shop frequently, this is a great option because you can earn two points for shopping in stores and two points for shopping online. In contrast to other credit cards, you can use the reward points to purchase exciting gifts and appealing offers, services, and products from the bank’s catalog. The points can even be used to get cash back.
HDFC Bank Money Back Credit Card
The HDFC Moneyback credit card, as the name suggests, enables you to earn reward points for every nimble expenditure. This helps you get your money back. As a greeting and recharging benefit, you get 500 Money focuses consistently on installment of the joining/restoration expense. In addition, the joining fee can be waived if you spend Rs 20,000 in the first 90 days, and the renewal fee can be waived based on your annual spending. Each rupee spent on this card earns you four reward points. 150 rupees spent online, and two reward points for every 150 rupees spent on other categories.
When it comes to the card’s dining benefits, you can save up to 15% on dining at over 2,000 high-end restaurants across the nation. Customers who have the HDFC Money Back Plus card can save money in a lot more ways, such as by eliminating the fuel surcharge and the spend-based annual fee, among other things. To figure out the card’s elements exhaustively, go through the total HDFC Cash Back In addition to Visa Audit given underneath.
HDFC Bank Money Back Credit Card Details
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Key Highlights of HDFC Bank MoneyBack Credit Card
The HDFC Bank MoneyBack Credit Card is one of the most popular credit cards in India, with a range of attractive features and benefits for cardholders. Some of the key highlights of this card include the ability to earn cashback on every transaction, with 2 reward points earned for every Rs. 150 spent. In addition, cardholders can earn bonus rewards points for using the card for online shopping, dining, and utility bill payments. The card also offers attractive discounts at select partner merchants, as well as travel benefits including airport lounge access and fuel surcharge waivers. With its range of attractive features and benefits, the HDFC Bank MoneyBack Credit Card is a great choice for anyone looking for a reliable and rewarding credit card option in India.
- A credit card that offers cash back with a low annual fee.
- waived annual and joining fees when applied for through (subject to terms and conditions).
- Rewards points accelerated for online purchases.
- Redeem reward points for cash against an outstanding credit card.
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HDFC Bank Money Back Credit Card Features and Benefits
The HDFC Bank Money Back Credit Card offers a range of features and benefits that make it a great choice for those looking to earn rewards on their purchases. Cardholders can earn 2 reward points for every Rs. 150 spent, with the option to redeem those points for cashback. In addition to rewards, the card also offers a range of benefits including fuel surcharge waivers, airport lounge access, and exclusive discounts on dining, shopping, and entertainment. One of the key benefits of the HDFC Bank Money Back Credit Card is that it is easy to apply for and comes with minimal documentation requirements. In short, this card offers a great combination of rewards, benefits, and convenience, making it an excellent choice for those looking for a versatile credit card option.
Welcome gift:
- When you apply for the Money Back credit card, you will receive a joining bonus of 500 reward points. You will receive 500 additional reward points if you renew your card.
Milestone rewards:
- Get a Rs.500 e-voucher when you spend Rs.50,000 or more on retail purchases in a quarter. The voucher is good for sixty days.
Cashback Benefits
- 2 reward points on retail spends. 2 times more points on online spends.
- Redeem reward points for cash (100 reward points = Rs.20).
Save on fuel purchases:
- You can save up to Rs. 1,800 per year on fuel purchases at stations across India with the fuel surcharge waiver facility. The offer is only good for a single Rs. 400 purchase.
Zero liability on lost card:
- You will not be held liable for any fraudulent transactions that are carried out with your credit card after you have reported the loss of your card.
Reward points program
- Every 150 rupees spent on the card earns you two reward points.
- 2 times as many reward points for online purchases.
- Recover made reward focuses for money back against the card remarkable (100 prize focuses = Rs.20).
- Additionally redeemable for air miles and exclusive rewards catalog gifts.
- For redemption, a minimum of 2,500 points are required. From the time they are accumulated, the points remain valid for a period of two years.
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HDFC Bank Moneyback Credit Card Limit
Each applicant will have their own unique HDFC Moneyback Credit Card credit limit. Each applicant’s individual credit limit and cash limit will be determined by the bank. A cardholder’s credit limit will be determined by the primary applicant’s credit score, credit report, and repayment pattern for past and ongoing debts.
HDFC Moneyback Credit Card Fees & Charges
The HDFC Moneyback Credit Card is an excellent choice for anyone looking to earn rewards points on their daily purchases. The card offers up to 2 reward points for every Rs. 150 spent, and also provides cashback options for spending at select merchants. However, it is important to be aware of the fees and charges associated with the HDFC Moneyback Credit Card. The annual fee for the card is Rs. 500, but it can be waived if Rs. 50,000 or more is spent on the card within a year. Late payment fees can range from Rs. 100 to Rs. 950, depending on the outstanding balance. Cash advances on the card will also incur a fee of 2.5% of the transaction amount or Rs. 500, whichever is higher. Understanding these fees and charges will help customers make informed decisions about their credit card usage and ensure they get the most out of their rewards points.
| Type of fee/charge | Amount |
| Joining fee | Rs.500 |
| Annual fee | Rs.500 |
| Interest rate | 3.49% per month |
| Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |
| Cash advance limit | 40% of the credit limit |
| Rewards redemption fee | Rs.99 per request |
| Late payment charges |
|
| Over limit charges | 2.5% of the over-limit amount (minimum Rs.500) |
| Payment return charges | 2% of payment amount (minimum Rs.450) |
| Cash processing fee | Rs.100 |
| Reissue of lost, stolen or damaged card | Rs.100 |
| Foreign currency transaction fee | 3.5% |
| Outstation cheque processing charge | Cheque value of up to Rs.5,000 – Rs.25 Cheque value of more than Rs.5,000 – Rs.50 |
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Eligibility Criteria for HDFC Bank Moneyback Credit Card
The HDFC Bank Moneyback Credit Card is a great option for those looking to earn rewards on their everyday expenses. To be eligible for this card, you must be between the ages of 21 and 60 years old and have a stable source of income. Additionally, you must have a good credit score and a clean credit history.
If you meet these criteria, you can apply for the card online or by visiting any HDFC Bank branch. With the Moneyback Credit Card, you can earn cashback on your purchases and enjoy other benefits such as fuel surcharge waivers and discounts on dining and movie tickets. So if you meet the eligibility criteria and are looking for a credit card that rewards you for your spending, the HDFC Bank Moneyback Credit Card may be the perfect choice for you.
- The applicant must be self-employed or employed.
- The age range for salaried employees is 21 to 60.
- Age range for self-employed individuals is 21 to 65.
- The applicant should have a stable income stream and a good credit history.
Documents Required for HDFC Bank Moneyback Credit Card
The official Money Back credit card application documentation is not available on the website. The fundamental documents required to process any credit card application are listed below.
- KYC documents
- PAN card
- Income proof such as salary slip or income tax returns
- Bank statements and others.
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How to Apply for HDFC Money Back Credit Card online?
Applying for an HDFC Money Back Credit Card online is a quick and easy process. Simply visit the HDFC Bank website and navigate to the credit cards section. From there, you can browse through the available credit card options and select the Money Back Credit Card. The application process is straightforward and can be completed in just a few minutes, with basic information such as your personal and employment details. Be sure to review the card’s terms and conditions before submitting your application. Once approved, you can start using your new HDFC Money Back Credit Card to make purchases and earn cashback rewards right away, whether you’re shopping online or in-store.
The HDFC official website is where you can apply for a HDFC Money Back Credit Card right away.
Alternately, you can apply for the exclusive partner offers on from the current page.
Now is the time to apply:
- The “Check Eligibility” button can be found at the top of the page.
- To find out if you are eligible for the card, click on it and fill in the required information.
- You will have the option to apply for the card if you are qualified.
You will receive an acknowledgement message containing the application ID after successfully submitting the required documents and details by clicking on it and pressing “Submit.” In the future, you can use the same method to monitor the status of your credit card application.
Conclusion
The HDFC Bank Money Back Credit Card is a popular choice for those who want to earn rewards on their everyday spending. With cashback rewards on a variety of spending categories, including dining, utilities, and online transactions, cardholders can earn a substantial amount of cashback each month. In addition, the card offers a host of other benefits, such as fuel surcharge waivers, and easy EMI options. However, it is important to note that while the rewards program is generous, the annual fees and interest rates associated with the card can be relatively high.
The HDFC Bank Money Back Credit Card Rewards program is an excellent way for customers to earn cash back on their purchases. With up to 2% cash back on all eligible transactions, customers can earn a significant amount of money back throughout the year. Additionally, the card comes with a number of other perks, such as discounts on dining, fuel surcharge waivers, and more. Customers can easily redeem their cash back rewards through the HDFC Bank website or mobile app, making it a hassle-free process.
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