HDFC MoneyBack+
10X at five partners, valued at ₹0.20 per CashPoint for statement credit.
Try your spend →How this estimate works
HDFC Bank states that eligible non-EMI spend at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy earns 20 CashPoints per ₹200, capped at 2,500 CashPoints per calendar month for those partners. Eligible other spend earns 2 CashPoints per ₹200. The model uses the lower ₹0.20/CashPoint cashback rate shown on the product page, not the up-to-₹0.25 travel/catalogue value in the terms, and deducts one ₹50 statement-credit redemption fee per year. Statement redemption requires a minimum balance stated as 2,000 CashPoints/₹500 in the terms; at 20 paisa per point, ₹500 requires 2,500 points, so the calculator does not score returns before 2,500 annual points. That threshold is a conservative simplification, not a guarantee of redemption. Maximum 15,000 points per statement cycle; grocery points capped at 1,000/month. The 10X bonus is subject to merchant terminal IDs and does not apply to SmartBuy/PayZapp routed spends. Assumes one eligible transaction per month, at least ₹200; individual transactions and points are rounded by the issuer. Fuel, EMI, rent, government spend, wallet/gift/prepaid loads and third-party education excluded. Generic utility and Tata merchant/payment routes unscored. Joining and renewal fee ₹500+GST; ₹50,000 annual spend can waive renewal, not assumed. Quarterly spend vouchers, welcome points, joining-fee timing and potential redemption timing/expiry are not counted. The earlier September 2025 issuer terms said per ₹150; current product page and current issuer PDF both say per ₹200.
Issuer sources
https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/moneyback-plus-credit-card/pdf/MBPlus-TnCs.pdf
Checked 28 Sep 2026. Terms can change.
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