
# [Moneyback plus](https://www.hdfcbank.com/personal/pay/cards/credit-cards/moneyback-plus)

## Features
#### Key Features
Key Features
* 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
* 5X CashPoints on EMI spends at merchant locations
* 2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )
* Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
* Upto 20% discount on partner restaurants via Swiggy Dineout
Note:
* With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points
* With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points.
For detailed Terms and conditions [Click here](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/a932c3e5-ff6f-43e2-8722-cb84c2530399?#/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Commercial/HDFC Bank MoneyBack/Terms-and-Conditions-HDFC-Bank-MoneyBack-Credit-Card.pdf "Terms-and-Conditions-HDFC-Bank-MoneyBack-Credit-Card.pdf") 
#### Additional Features
Additional Features
**Zero lost Card liability :** In the unfortunate event of losing your HDFC Bank Moneyback+ Credit Card, report it immediately to our 24-hour call centre. On reporting the loss immediately, you have zero liability on any fraudulent transactions made on your Credit Card. 
**Interest Free Credit Period :** Avail up to 50 days of interest free period on your HDFC Bank Moneyback+ Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
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**Revolving Credit :** Enjoy Revolving Credit on your HDFC Bank Moneyback+ Credit Card at nominal interest rate. Please refer to the Fees and Charges section for more details.
**Exclusive Dining Privileges :**Enjoy amazing dining benefits with Good Food Trail program.
Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App.
#### Fuel Surcharge Waiver
Fuel Surcharge Waiver
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
#### Welcome/Renewal Benefit
Welcome/Renewal Benefit
500 Cash Points (applicable only  on payment of membership fee)
#### Quarterly Spend based benefit
Quarterly Spend based benefit
Every Calendar quarter, get a gift voucher worth ₹500 on spends of ₹50,000 & above. Earn up to ₹2,000 worth gift vouchers in a year.
#### Renewal Offer
Renewal Offer
Get renewal membership fee waived off by spending ₹50,000 and above in an annual year
#### Smart EMI
Smart EMI
HDFC Bank MoneyBack+ Credit Card comes with an option to convert your big spends into EMI after purchase. To know more [click here](/personal/borrow/loan-against-assets/smartemi "/personal/borrow/loan-against-assets/smartemi")
#### Contactless Payment
Contactless Payment
The HDFC Bank MoneyBack+ Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons.
#### Reward Point/Cashback Redemption & Validity
Reward Point/Cashback Redemption & Validity
* The CashPoints earned on HDFC Bank MoneyBack+ Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.25, and can be done via Net Banking login, Phone Banking, or physical redemption form
* CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.25 and the rest of the amount will have to be paid via the Credit Card. To know more on Rewards catalouge, [click here](/personal/pay/cards/credit-cards/simple-rewards-program "/personal/pay/cards/credit-cards/simple-rewards-program")
* With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
* With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 50,000 rewards points.
* With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
* For redemption against statement balance, Cardholder must have minimum CashPoints equivalent to ₹500
* CashPoints earned on your HDFC Bank MoneyBack+ Credit Card are valid only for 2 years from the date of transaction. e.g. if you receive Reward Points in August 2021, same will expire in August 2023
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| **1 RP Equivalent to** |
| Product Catalogue | 0.25 |
| Unified SmartBuy (Flights/Hotels) | 0.25 |
| Cash back | 0.25 |
| Airmiles | 0.25 |
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| [FAQs](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/1256ebd5-a8e6-49d3-b4ba-54a93a0acb51?#/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Commercial/HDFC Bank MoneyBack/HDFC-Bank-MoneyBack-Credit-Card-FAQs.pdf "HDFC-Bank-MoneyBack-Credit-Card-FAQs.pdf") |
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## Eligibility
**HDFC Bank MoneyBack+ Credit Card Eligibility**:
**Salaried**
* Indian nationality. Age: Min 21 yrs. & Max 60 Yrs.,
* Income: Gross Monthly Income> ₹20,000
**Self Employed**
* Indian nationality. Age: Min 21 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum

## Fees and Charges
* Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
* Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Please [click here](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Manage Your Credit Cards PDFs/MITC 1.64.pdf "/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Manage Your Credit Cards PDFs/MITC 1.64.pdf") for detailed fees and charges applicable on your HDFC Bank MoneyBack+ Credit Card.
NOTE: For card sourced starting 01-11- 2020, Below T&Cs is applicable  
The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.
