MoneyBack+ Credit Card

Redemption

Joining benefits

• 500 CashPoints upon payment of the joining fee

Additional benefits

• 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
• 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
• Up to 50 days interest-free credit period from the date of purchase
• Zero lost card liability when reported immediately

Additional details

• CashPoints are posted on a calendar-month basis, with settled transactions from the 1st to the 30th/31st posted in the first week of the subsequent calendar month
• Reward points on grocery transactions are capped at 1,000 CashPoints per calendar month
• Reward points on utility spends are capped at 2,000 CashPoints per calendar month
• Redemption of CashPoints against Flights and Hotels via SmartBuy is capped at 50,000 per month, up to 50% of the booking value
• Redemption of CashPoints against product catalogue vouchers is capped up to 70% of voucher value
• Cashback redemptions against statement balance are capped at 3,000 CashPoints per calendar month, with a minimum required balance of 500 CashPoints
• Unredeemed CashPoints expire after 2 years of accumulation
• CashPoints cannot be transferred to partner airlines or hotel loyalty programs