HDFC MoneyBack+ Credit Card
HDFC · Entry · Visa/MC
Annual Fee
₹500
Fee Waiver
₹50K annual spend
Lounge Access
None
Best Rate
0.5%
Network
Visa/MC
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
1 reward point/₹150 (~0.5% effective) · Basic rewards card · 500 welcome points
Key Benefits
Low ₹500 fee (easy waiver at ₹50K)500 welcome reward pointsBasic entry card
PROS
✅ Low fee waiver threshold
✅ Simple reward structure
✅ Good for building HDFC credit history
CONS
⚠️ Very low reward rate (0.5%)
⚠️ No standout features
⚠️ No lounge access
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