HDFC BANK · CHECKED 22 OCT 2026
HDFC Bank MoneyBack+ Credit Card
Best on Amazon, BigBasket, Flipkart and Swiggy: 2% back.
₹500 a yearFee waived at ₹50,000 spendPaid as CashPoints
Where it earns the most
Amazon2%orders of ₹200+ · up to ₹500 a month#17 of 50 cards
BigBasket2%orders of ₹200+ · up to ₹200 a month#18 of 50 cards
Flipkart2%orders of ₹200+ · up to ₹500 a month#18 of 50 cards
Swiggy2%orders of ₹200+ · up to ₹500 a month#24 of 50 cards
Airtel Thanks0.2%orders of ₹200+ · up to ₹400 a month#27 of 50 cards
AJIO0.2%orders of ₹200+ · up to ₹3,000 a month#46 of 50 cardsEverywhere else
- 0.2% back
Apollo 24|7
Blinkit
BookMyShow
Cleartrip
District
Domino's
Goibibo
ixigo
JioMart
MakeMyTrip
Meesho
Myntra
Nykaa
PVR INOX
Reliance Digital
Swiggy Instamart
Tata CLiQ
Tata Neu
Uber
Zepto
Zomato - Nothing back
IRCTC Rail Connect
Where another card earns more
- Airtel ThanksAirtel Axis earns more here25%vs 0.2%
- AJIOHSBC Live+ earns more here10%vs 0.2%
- BlinkitAirtel Axis earns more here10%vs 0.2%
- BookMyShowAxis Neo earns more here10%vs 0.2%
- DistrictAirtel Axis earns more here10%vs 0.2%
All the details: fees, points and limits in every app
- Bank
- HDFC Bank
- Network
- RuPay
- Open to new applications?
- Yes
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- Renewal fee waived after ₹50,000 of spend in the card year before the renewal date.
- Rewards paid as
- CashPoints
- One point is worth
- ₹0.2
- How the points are used
- Statement credit at ₹0.20 per CashPoint; ₹50 fee per redemption
- Other ways to use the points
- the catalogue or SmartBuy flights and hotels (up to ₹0.25 each)
- Checked on
- 22 Oct 2026
Official page: HDFC Bank
| App | Reward | Min. order | Limit | Rank of 50 |
|---|---|---|---|---|
| Amazon | 2% as CashPoints | ₹200+ | Up to ₹500 per calendar month (one limit shared with the card's other apps at this rate) | #17 |
| BigBasket | 2% as CashPoints | ₹200+ | Up to ₹200 per calendar month (one limit shared with the card's other apps at this rate) | #18 |
| Flipkart | 2% as CashPoints | ₹200+ | Up to ₹500 per calendar month (one limit shared with the card's other apps at this rate) | #18 |
| Swiggy | 2% as CashPoints | ₹200+ | Up to ₹500 per calendar month (one limit shared with the card's other apps at this rate) | #24 |
| Airtel Thanks | 0.2% as CashPoints | ₹200+ | Up to ₹400 per calendar month | #27 |
| AJIO | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #46 |
| Apollo 24|7 | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| Blinkit | 0.2% as CashPoints | ₹200+ | Up to ₹200 per calendar month (one limit shared with the card's other apps at this rate) | #46 |
| BookMyShow | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #46 |
| Cleartrip | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| District | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #43 |
| Domino's | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #44 |
| Goibibo | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| ixigo | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #38 |
| JioMart | 0.2% as CashPoints | ₹200+ | Up to ₹200 per calendar month (one limit shared with the card's other apps at this rate) | #44 |
| MakeMyTrip | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| Meesho | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| Myntra | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #46 |
| Nykaa | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| PVR INOX | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| Reliance Digital | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #44 |
| Swiggy Instamart | 0.2% as CashPoints | ₹200+ | Up to ₹200 per calendar month (one limit shared with the card's other apps at this rate) | #45 |
| Tata CLiQ | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| Tata Neu | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| Uber | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #47 |
| Zepto | 0.2% as CashPoints | ₹200+ | Up to ₹200 per calendar month (one limit shared with the card's other apps at this rate) | #45 |
| Zomato | 0.2% as CashPoints | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #46 |
| IRCTC Rail Connect | Fee is more than the reward | ₹200+ | Up to ₹3,000 per statement cycle (one limit shared with the card's other apps at this rate) | #46 |
Questions people ask
Where does HDFC MoneyBack+ earn the most?
HDFC Bank MoneyBack+ Credit Card earns its highest rewards on Amazon (2% as CashPoints), BigBasket (2% as CashPoints) and Flipkart (2% as CashPoints).
What is the annual fee of HDFC MoneyBack+, and can it be waived?
HDFC MoneyBack+ has a joining fee of ₹500 and an annual fee of ₹500. Renewal fee waived after ₹50,000 of spend in the card year before the renewal date.
How much is one HDFC MoneyBack+ point worth?
About ₹0.2 each when used as the bank shows first: Statement credit at ₹0.20 per CashPoint; ₹50 fee per redemption. Other options: the catalogue or SmartBuy flights and hotels (up to ₹0.25 each).
Is HDFC MoneyBack+ still available?
Yes, the bank still issues it to new customers.
Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.