HDFC MoneyBack+ Credit Card 2025 Review: Everyday Rewards Made Simple

🛍️ Why I Enjoy the MoneyBack+ Card

Let’s face it—sometimes chasing high-end perks feels like overkill. That’s where the MoneyBack+ card shines: reliable, uncomplicated rewards without forcing a premium lifestyle. If your life is a mix of e-commerce orders, grocery trips, app-based dining, and occasional fuel runs, this card fits right in—just like a trusted everyday companion.

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🔝 Standout Rewards & Milestone Perks

• 10× CashPoints on five popular platforms—Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket. You earn 20 points per ₹150, worth about ~3.3% back, capped at 2,500 points monthly.
• 2 points/₹150 on most other spends, including UPI on RuPay variant—excluding fuel, rent or wallet loads.
• Quarterly ₹500 voucher on spending ₹50,000 per quarter—a pleasant bonus for steady users.
• 1% fuel surcharge waiver on ₹400–₹5,000 petrol transactions, saving up to ₹250 per billing cycle.
• Dining deal: Up to 20% discount via Swiggy Dineout.

🧰 Useful Essentials Included

• Welcome 500 CashPoints upon paying the joining fee.
• Annual fee waiver: Spend ₹50,000 in 12 months to skip the ₹500 renewal fee.
• Zero liability for fraudulent transactions, subject to prompt reporting.
• Contactless payments, secure up to ₹5,000 per tap.
• Smart EMI facility on big purchases—break payments into installments.

💸 Fees & Charges Breakdown

✅ Who Should Go for It?

• First-time card users or those seeking a low-maintenance rewards card.
• Online shoppers regularly using Amazon, Flipkart, BigBasket or Swiggy.
• Steady spenders who can easily cross ₹50k per year to waive fees and unlock quarterly gifts.
• People craving convenience like contactless tap and basic EMI options.

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⚠️ Things to Note

• Monthly caps: Once you hit 2,500 CashPoints on partner platforms, you don’t earn more until next month.
• Exclusions apply: Fuel, rent, wallet reloads, voucher and refunded spends don’t earn points.
• Points worth: CashPoints are valued at ₹0.25 each—solid, but not top-tier.
• No travel perks: If you’re looking for airport lounge access, consider other premium cards.

🏁 Final Take

The HDFC MoneyBack+ Credit Card pulls off a neat trick: simple, everyday rewards with no frills. For those new to plastic or shopping regularly on partnered brands, it delivers meaningful value—around 3% in key reward zones—with quarterly extras and fee waivers. It’s not glam, but it’s genuine. Think of it as a dependable financial buddy that keeps earning quietly without breaking the bank.

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