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HDFC Bank MoneyBack+ Credit Card

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Monthly Yearly

Online Spends

Groceries

Dining

EMI Spends

Other

Fuel

Online Spends

₹0

₹20,000

₹ The entered value must be > or equal to 0 and < than or equal to ₹20,000.

Groceries

₹0

₹20,000

₹ The entered value must be > or equal to 0 and < than or equal to ₹20,000.

Dining

₹0

₹20,000

₹ The entered value must be > or equal to 0 and < than or equal to ₹20,000.

EMI Spends

₹0

₹20,000

₹ The entered value must be > or equal to 0 and < than or equal to ₹20,000.

Other

₹0

₹20,000

₹ The entered value must be > or equal to 0 and < than or equal to ₹20,000.

Fuel

₹0

₹20,000

₹ The entered value must be > or equal to 0 and < than or equal to ₹20,000.

Summary of benefits on your HDFC Bank MoneyBack+ Credit Card

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Annual Benefits on your HDFC Bank MoneyBack+ Credit Card

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Terms & Conditions

Terms & Conditions apply

Redeem Reward Points as cashback @ ₹0.20 per Reward Points
Dining spends will earn 15% discount at outlets that are part of the Bank wide program
Utility Spends must be done via Smartpay for the above non-Reward Points benefit
5% cashback will be given only for the first 12 months of the SmartPay registration, capped at ₹100 per month
2X Reward Points for online spends are capped at 500 Reward Points per statement cycle w.e.f. 1st July 2020

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CashPoints Proposition

Definition: For the MoneyBack+ Credit Card, the following terms, unless the context otherwise admits, shall have the following meanings:

CashPoints will be awarded in the customer’s credit card account under the reward points scheme.
The CashPoints will be processed as per the following table:

Spends on	Maximum CashPoints per Calendar Month
Earn 10X CashPoints* i.e., 20 CashPoints= per ₹150 spent on -- Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy	2,500
Earn 5X CashPoints i.e., 10 CashPoints per ₹150 spent on EMI spends at Merchant locations	2,500
Earn 2 CashPoints per ₹150 spent on other spends**	-

* Applicable for non-Emi spends done on the 5 merchants as mentioned in the table. EMI spends on these merchants will be considered under 5X CashPoints category.
**Except Fuel and Wallet/ Gift /Prepaid Card loads & Voucher Purchase transactions.

For eg. If the cardholder spends ₹20,000 in calendar month cycle with following break up of spends

Spends on 5 - merchants: ₹10,000 | Other Spends: ₹5,000 | Fuel Spends: ₹2,000 | EMI Purchase: ₹3,000
Out of these Fuel spends won’t be rewarded CashPoints.
Thus, the total spends eligible for CashPoints would be ₹10,000 + ₹5,000 + ₹3,000 = ₹18,000
The CashPoints earned for the billing cycle in example would be calculated as follows:

10X CashPoints of ₹10,000 = 1,320

5X CashPoints on EMI transaction of ₹3,000 = -200

2 CashPoints per ₹150 of ₹5,000 = 66

Thus, the total CashPoints for the example would be 1,586. This will be posted in the card account. Cardholder can redeem them as CashBack/Reward catalog/SmartBuy Travel on the MoneyBack+ Credit Card

10X CashPoints on 5 Merchants – Terms & Conditions
- 10X CashPoints on 5 merchants are Offered to Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
- CashPoints are an exclusive Rewards metric system created for our Credit Cardholders. CashPoints can be utilized towards CashBack redemption against the statement at the rate of 1 CashPoint = ₹0.25 for MoneyBack+ Credit Card Holders.
- The CashPoints will be posted on calendar month basis, the transaction settled in the system between 1st to 30/31st of the calendar month will be posted in the 1 st week of the subsequent calendar month.
- The transaction settled from the merchant will be eligible for Cashpoints and settlement/Posting date of the transaction will be considered for points calculation.
- The Cardholder can earn up to 2,500 CashPoints under the 10X CashPoints feature in a calendar month.
- CashPoints of 10X on select merchants are calculated basis the Terminal / merchant IDs (TIDs & MIDs) shared by the respective merchant partners. If in case the TID / MID is not available in the set-up, such transactions will not qualify for the benefit.
- CashPoints earned will be computed based on spends during the calendar month period minus any returns or refunds during the same period.
- Incase the purchase/transaction is returned/cancelled/reversed post calendar month completion. Then the equivalent CashPoints will be reversed/adjusted under the10X CashPoints category.
- CashPoints shall not be eligible for the following spends on the card,
- Spends beyond the capping of 2,500 shall not be considered for CashPoints posting.
- A cardholder will be eligible for 2 CashPoints per ₹150 as per product feature if he/she does a transaction through SmartBuy/PayZapp which includes transaction from these merchants also. All other existing SmartBuy/PayZapp offers will be applicable as per SmartBuy/PayZapp Terms & Conditions.
- *A cardholder will not be eligible for CashPoints on prepaid card/gift Card/ wallet load and / or voucher purchases. i.e., the transactions carried out through the Merchant Category Code (MCC) of 6540 (as defined by card networks Visa, MasterCard and RuPay) will be not considered for CashPoints even if it is from these merchants.
- Reliance Smart SuperStore includes Reliance Fresh, Reliance Smart & Sahakari Bhandar retail stores
5X CashPoints on EMI spends at Merchant locations – Terms & Conditions
- The MoneyBack+ 5X feature gives the cardholder 5 times CashPoints for spending on EMIs.
- Cardholder will be getting 5X CashPoints on the below type of EMI’s
- SmartEMI/Dial An EMI (DAE) is not considered under this feature.
- Only EMI principal amount will be rewarded with CashPoints. Interest, processing fees & GST amounts will not be eligible for CashPoints.
- The Maximum CashPoints that can be earned under this feature is 2,500 points per Calendar Month
- If the EMI transaction is preclosed, the cardholder will be awarded only 2 CashPoints Per ₹150 on the remaining outstanding amount
- In case of Cancellation/reversal/refund of EMI transactions, CashPoints posted will get reversed from the cardholder’s account
- The CashPoints will be posted on calendar month basis, the transaction/EMI settled in the system between 1st to 30/31st of the calendar month will be posted in the subsequent month 1st week.
- The transaction settled from the merchant will be eligible for Cashpoints and settlement/Posting date of the transaction will be considered for points calculation.
- Spends beyond the capping of 2,500 shall not be considered for CashPoints posting.
- CashPoints shall not be eligible for the following spends/transactions on the card,
- CashPoints earned will be computed based on spends during the calendar month period minus any returns or refunds during the same period.
- In case the purchase/transaction/EMI is returned/cancelled/reversed post calendar month completion. Then the CashPoints will be reversed from next month earning under the 5X CashPoints category.
- If a cardholder did an EMI spend on the 5 merchants under 10X CashPoints category, then cardholder will get 5X CashPoints.
2 CashPoints per ₹150 on other spends – Terms & Conditions

The CashPoints will be posted on calendar month basis, the transaction settled in the system between 1st to 30/31st of the calendar month will be posted in the subsequent month 1st week.
The transaction settled from the merchant will be eligible for Cashpoints and settlement/Posting date of the transaction will be considered for points calculation.
CashPoints shall not be eligible for the following spends/transactions on the card,

Fuel Spends
Wallet loads / Gift or Prepaid Card load/ Voucher purchase**
Cash Advances
Payment of Outstanding Balances
Payment of card fees and other charges
Smart EMI / Dial an EMI transaction

CashPoints earned will be computed based on spends during the calendar month period minus any returns or refunds during the same period.
In case the purchase/transaction is returned/cancelled/reversed post calendar month completion, then the CashPoints will be reversed from next month earning under the 2 CashPoints per ₹150 category.
**A cardholder will not be eligible for 2 CashPoints per ₹150 on prepaid card/gift Card/ wallet load and / or voucher purchases i.e., the transactions carried out through the Merchant Category Code (MCC) of 6540 (as defined by card networks Visa, MasterCard and RuPay) will not qualify for CashPoints.
SmartPay transactions will be considered under 2 CashPoints per ₹150 category.

Milestone Benefit – Terms & Conditions

Cardholder will be eligible if he/she achieves the spends target of ₹50K within the specified calendar quarter.
The calendar quarter are January to March, April to June, July to September, October to December.
The transaction settled from the merchant within the calendar quarter will be eligible for considering the target achievement and settlement/Posting date of the transaction
EMI Principal amount paid during the calendar quarter only will be considered under spend target achievement.
SmartEMI/Dial An EMI (DAE) amount will not considered under this Milestone benefit achievement.
Cardholder can view the spends achievement via Net Banking. Please follow the path to check: Net banking login -> cards ->Enquire ->Redeem Reward Points -> Select Card -> My Rewards -> Spend Promo Details
Once cardholder is eligible post achieving the target, voucher message will be triggered to registered phone number & email ID within 30 working days.
The voucher message triggered to the customer through SMS & Email will be valid and active only for 60 days from the triggered date.
The cardholder needs to select from the available voucher options. He/she can choose by replying back to the specified number with the option to get the voucher or visit the vendor page by clicking on the link available in the message/email for selecting the voucher of his/her choice.
The sample SMS which the card holder will receive:
o Congrats! You are eligible for a Free Gift Voucher worth INR 500 on your HDFC Bank MoneyBack+ Credit Card.

To claim, SMS:

MONEYBACK+ A for Big Basket

MONEYBACK+ B for BookMyShow

MONEYBACK+ C for Pizza Hut

MONEYBACK+ D for PVR

MONEYBACK+ E for Uber

And send to 53030.

For more options, please visit www.gyftr.com/hdfcbankmoneyback+/

For any help, give a missed call at 7840089420
The voucher once issued to the cardholder can’t be changed or reissued.
The validity of the voucher will be applicable as per the selected voucher T&C.
The voucher not utilized within the mentioned period will not be reissued.

Other Benefits –Terms & Conditions

Welcome Benefit of 500 CashPoints will be given to the cardholder if the joining membership fee is paid.
Renewal Benefit of 500 CashPoints will be given to the cardholder if the membership fee is paid.
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle). Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. Taxes as applicable shall apply further. In any case, Bank shall be giving a maximum waiver of 1% in case of any dispute, subject to limit applicable limits

CashPoints Redemption –Terms & Conditions

Earnings will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance. The CashPoints will be posted as Reward Points only.
The redemption against the statement balance will be at the rate of 1 CashPoint = ₹0.25, and can be done via Net Banking login, Phone Banking, or physical redemption form.
The minimum CashPoints balance required for redemption against the statement balance is 2,000 CashPoints or equivalent of ₹500.
CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.25
For redemption against Flights and Hotels via SmartBuy, Credit Card members can redeem up to a maximum of 50% of the booking value through Cash Points (1 CashPoint = ₹0.25). Rest of the transaction amount will have to be paid via the HDFC Bank Credit Card.
Unredeemed CashPoints will expire/lapse after 2 years of accumulation
Minimum transaction of ₹150 and multiples of ₹150 is considered for CashPoints posting
If the cardholder opts for redemption as CashBack against statement, there will be no redemption handling charges.
If the cardholder opts for redemption of the cashpoints via reward catalogue, there will be debit of ₹99+Taxes towards redemption handling charges.

For more/ latest product information, Most Important Terms & Conditions & Card Member Agreement, always refer to the product page on the bank website www.hdfcbank.com.
For quick access to Most Important Terms & Condition, please click here
For quick access to Card Member Agreement, please click here

HDFC Bank MoneyBack+ Credit Card

Summary of benefits on your HDFC Bank MoneyBack+ Credit Card

Awesome!! You save up to annually on your spends

Additional benefits on your Credit Card

Annual Benefits on your HDFC Bank MoneyBack+ Credit Card

₹1500 Voucher

Get Rs. 1500 voucher \ T&C

₹1500
Voucher