Welcome Benefits

The HDFC Bank Moneyback+ Credit Card offers a warm welcome to new cardholders with the following benefits:

• Cash Points: Upon payment of the joining membership fee, cardholders receive 500 Cash Points as a welcome benefit. These points can be redeemed against a variety of exciting rewards and offers.
• First-Year Fee Waiver: If the cardholder spends ₹20,000 or more within the first 90 days of card issuance, the first-year membership fee is waived off.

Other Benefits

In addition to the welcome benefits, the HDFC Bank Moneyback+ Credit Card provides a host of other advantages:

• Reward Points Accrual:
  • Earn 10X CashPoints (20 CashPoints per ₹150) on spends at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
  • Earn 2 CashPoints for every ₹150 spent on other categories, excluding EMI, fuel transactions, wallet loads/prepaid card loads, and voucher purchases.
• Milestone Benefits:
  • Receive a gift voucher worth ₹500 every calendar quarter on spends of ₹50,000 or above. Cardholders can earn up to ₹2,000 worth of gift vouchers in a year.
• Renewal Benefits:
  • Cardholders receive 500 Cash Points as a renewal benefit upon payment of the membership fee.
  • The renewal membership fee is waived off if the cardholder spends ₹50,000 or above in the previous year.
• Fuel Surcharge Waiver:
  • 1% fuel surcharge waiver on fuel transactions, with a minimum transaction of ₹400 and a maximum waiver of ₹250 per statement cycle.
• Smart EMI:
  • Option to convert big spends into EMI after purchase.
• Reward Redemption:
  • Reward points can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.20 or through the SmartBuy Rewards portal at the rate of 1 CashPoint = ₹0.25.
  • Reward points can also be redeemed for a wide range of products and services, including travel, merchandise, and more.

• Reward Points Structure: Earn 2 CashPoints for every ₹150 spent on general transactions and 10X CashPoints (20 CashPoints per ₹150 spent) on specific merchants like Amazon, BigBasket, Flipkart, Reliance Smart Superstore, and Swiggy.
• Gift Vouchers: Receive a ₹500 worth gift voucher on spends of ₹50,000 and above in each calendar quarter.
• Welcome and Renewal Benefits: Get 500 CashPoints as a welcome benefit on payment of the joining membership fee and 500 CashPoints as a renewal benefit on payment of the renewal membership fee.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum transaction of ₹5,000, and maximum waiver of ₹250 per statement cycle).
• Contactless Payments: The card is enabled for contactless payments, facilitating fast, convenient, and secure payments. Transactions above ₹5,000 require the entry of the credit card PIN.
• Smart EMI: Option to convert big spends into EMI after purchase.
• Other benefits include up to 20% off at 2000+ premium restaurants in select cities through Swiggy Dineout.

To activate your HDFC Bank MoneyBack+ Credit Card, you can choose from several convenient options:

• Online Activation: Log in to your HDFC Bank NetBanking account, navigate to the 'Credit Cards' section, and select the option to activate your new credit card. Follow the prompts to complete the activation process.
• Phone Activation: Call the HDFC Bank 24-hour customer care number (toll-free numbers 1800 1600/1800 2600 or 022-61606160 for customers travelling overseas). Provide the required details to the customer service representative to activate your card.
• ATM Activation: Insert your card into an HDFC Bank ATM, select the 'Card Activation' option from the menu, enter your PIN, and follow the instructions to activate your card.
• SMS Activation: Some users may receive an SMS with activation instructions. Follow the link or code provided in the SMS to activate your card.

Once your card is activated, you can start earning and redeeming CashPoints on your purchases.

The HDFC Bank MoneyBack+ Credit Card offers several ways to redeem your accumulated CashPoints:

1. Redemption Against Statement Balance:
   • Redeem your CashPoints against your statement balance at the rate of 1 CashPoint = ₹0.25.
   • Ensure you have a minimum balance of 2500 CashPoints, redeemable in multiples of ₹500 only.
2. Redemption for Travel Benefits:
   • Use your CashPoints for flight and hotel bookings through the SmartBuy Rewards Portal.
   • Redeem up to a maximum of 50% of the booking value through CashPoints at the rate of 1 CashPoint = ₹0.25, and pay the remaining amount via your credit card.
   • As of January 1, 2023, reward points redemption for flights and hotel bookings are capped at 50,000 points per calendar month.
3. Redemption for Products/Vouchers:
   • Redeem CashPoints against select vouchers/products, paying up to 70% of the product/voucher value through reward points and the remaining amount via your credit card, effective from February 1, 2023.
4. Redemption Through SmartBuy Rewards Portal:
   • Redeem CashPoints through the SmartBuy Rewards Portal for various rewards and offers.
   • This includes redemption against the Rewards Catalogue at the same rate of 1 CashPoint = ₹0.25.

Please note that CashPoints earned on your HDFC Bank MoneyBack+ Credit Card are valid for 2 years from the accumulation date.