HDFC Money Back Credit Card – Check Features, Benefits , Eligibility & Offers

Like it is said that truth is a debit card, and life is like a credit card, where you can enjoy first and pay later similarly is HDFC Money-Back Credit Card facility where one can earn multiple money back rewards.

HDFC Money-Back Credit Card facility also provides cashback offers and reward points on every online transaction. Apart from this, the card has unique chip technology which makes it highly safe and secured.

HDFC MoneyBack Credit Card Advantages

As a welcome gift, enjoy 500 cash points on the Money Back Credit Card. This benefit will be only offered on the payment of the joining fees.

On Purchase of Rs 150 earn 2 reward points.

Collect Reward Points and then convert them into cash against the outstanding amount of your Credit Card.

On the worth of Rs 20, you will get every 100 reward points.

Convert your rewards points for exciting gifts, air miles, and attractive offers from an all-exclusive gifts catalog of HDFC.

On online payout

On your HDFC card Rs150, earn 4 reward points by making your online payments. In this way, you will earn twice on every transaction.

Highlight Benefits

Get a gift voucher of Rs 500 on the spending of Rs 50,000 per quarter.

You can earn gift vouchers of up to Rs 2000 in a year.

Spend Rs 50,000 in a year and surrender the renewal fee.

Fuel supplement Waiver

On all Fuel transactions above Rs 400, get up to a 1% fuel surcharge waiver. This offer will allow you a maximum cashback of Rs 250.

Smart EMI

On the HDFC Money-Back Credit Card, you can convert every transaction or credit card bill. For this facility, you will be given a time period of  6 months to 24 months.

Safe & Secure Transactions

The unique chips on HDFC cards will not only make your transaction safely done but will secure it safely.

The HDFC cards can dip at a chip-enabled POS or you can swipe them regularly on a POS which isn’t chip-enabled.

Zero Liability on Lost Card

In case you lost the HDFC MoneyBack Credit card, report it to the 24-hour call center facility. There is no responsibility of yours for the fraudulent transactions made through your card.

Interest-Free Credit

The day you purchase the card, enjoy 50 days long interest-free period.

Reward Points Validity

The Reward Points collected by you through purchases are valid only for 2 years from the date of their accumulation.

HDFC Money Back Credit Card Joining & Annual Fees and Other Charges

Particulars Charges

Joining Fee         INR 500 + Applicable Taxes

Renewal Fee       INR 500 + Applicable Taxes

Interest-Free Period     50 Days

Minimum Repayment Amount      5% with a minimum of INR 200

Interest Rate        3.49% per month or 41.88% per annum

Cash Advance Limit    40% of the Credit Limit

Eligibility Criteria for HDFC MoneyBack Credit Card

The following applicants can apply for the HDFC Money Back Credit Card:

Age limit:

Minimum Age limit 21 years

Maximum Age limit 60 years

For Salaried

Minimum Age limit 21 years

Maximum Age limit 65 years

Monthly income

Rs 25000 per month for Salaried Individuals.

For Self-employed

An ITR of Rs 6 Laks or above for self-employed individuals.

Necessary Documents

Copy of Passport/ PAN Card/ UID/ Driving License/ Voter’s ID Card

Latest Income Tax Return documents/ Form 16/ Salary Slip (for those who are employed in government offices of PSUs)

Copy of Passport/ Fixed Line Bill/ Electricity Bill/ UID/ Bank Passbook of a PSU bank

Coloured Photographs

Copy of PAN Card

Bank Statement for the last 3 months

How to Apply for HDFC MoneyBack Online ?

Looking for attractive reward points and exciting offers, then you can apply at HDFC , an online portal where you can check the latest credit card offers. This will help you to purchase the card of your own choice, including shopping and other needed things.

For this you just need to fill the online application form .You may have to enter a few credit-related details if you are servicing or have serviced any credit card in the past.

HDFC MoneyBack Credit Card Status

HDFC Money Back Credit Card Status can be checked by using the Net banking facility, you can check your application status. Just enter the application reference number and mobile number on the portal.

By calling HDFC customer care, you can also check the status of your application. The bank administrative will provide you with all the latest updates about the application.

HDFC MoneyBack Credit Card Statement

HDFC Money Back Credit Card Statement is dispatched via post or email to the registered mail address. It is the statement that will allow the card bearer to stay in constant touch with the expenditure and repayments; he had made using this card. The statement will not only keeps the records of one’s expenditure but will make whole procedure transparent.

HDFC MoneyBack Credit Card Bill Payment

Either for bills, If you have HDFC bank account then you can activate an AutoPay so that the bills can be paid automatically. Or if you don’t find Auto Pay comfortable, you can just add the card to your net banking account and receive an SMS when the bill is generated. Taking note of the SMS, you can just go online to pay the dues.

Customer Care 24X7 Number

To know more about this credit card facility, you can get in touch with HDFC through their official website. The toll-free numbers provided by HDFC can also be found on the website of the bank. Alternatively, if you want to sort out certain issues in person, you can always visit the nearest HDFC branch and get in touch with their executive for your concerns.

Frequently Asked Questions

  1. What is the minimum income needed for the HDFC MoneyBack Credit Card?

The minimum income of Rs 25000 per month If you are a self-employed individual then you will need a minimum ITR of Rs 6 laks to get the same card.

  1. What is the credit limit of the Money Back Card?

The credit limit of the HDFC Money Back card depends on your income and CIBIL Score. If you have a high CIBIL Score and a high income then you will get a good credit limit on your credit card.

  1. What is the minimum CIBIL Score needed for this credit card?

You will need a minimum CIBIL Score of 750 and above in order to apply for this credit card and get fast approval.

  1. What is the interest-free period of this card?

An interest-free period of 50 days on this credit card you will get, but you can also pay the bill of your credit card without interest within 50 days of the transaction.

  1. What is the Cash Advance Limit of the HDFC Bank MoneyBack credit card?

The cash advance limit of the HDFC Bank MoneyBack Credit Card is 40% of the credit limit given by the bank.