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HDFC Bank, one of the largest private sector banks in India, offers the HDFC Moneyback credit card, which provides cashback and rewards to its users based on their spending. This credit card is designed to help users unlock more rewards and savings on their purchases.

The card offers 2 reward points for every Rs. 150 spent on the card, and users can earn up to 4X reward points for their online spending. You can redeem the accumulated reward points for cashback or various merchandise options available on the HDFC Bank rewards portal.

Additionally, the HDFC Moneyback credit card also offers a fuel surcharge waiver of up to Rs. 250 per statement cycle and a 1% fuel surcharge waiver on fuel transactions made at fuel stations across India. The card also comes with a zero liability feature, which protects the cardholder against any fraudulent transactions made on their card.

Overall, the HDFC Moneyback credit card is a good option for those who want to earn cashback and rewards on their spending while also enjoying other benefits like fuel surcharge waivers and zero liability protection.

Fees and charges

Here are some of the fees and charges associated with the HDFC Moneyback Credit Card:

1. The joining fee for the HDFC Moneyback Credit Card is Rs. 500 (One-time)
2. The annual fee is Rs. 500 (from the second year onwards).
3. The interest period is free for up to 50 days.
4. There is only a 40% cash advance limit.
5. The add-on card fee is free for a lifetime.
6. The cash advance fee is 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
7. The over-limit fee is 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
8. Late Payment Fee: If the minimum amount due is not paid by the due date, the late payment fee will be charged as follows:

Rs. 100 for outstanding up to Rs. 500

Rs. 500 for outstanding between Rs. 501 and Rs. 5,000

Rs. 700 for outstanding between Rs. 5,001 and Rs. 10,000

Rs. 950 for outstanding above Rs. 10,000

9. The Foreign Currency Markup Fee is 3.5% of the transaction amount for all foreign currency transactions.
10. The balance transfer charge is 1% of the amount or Rs. 250, whichever is higher.
11. The total amount of payment return charges is 2% of the payment amount, subject to a minimum of Rs. 450.
12. GST is applicable on all fees, interest, and other charges.
13. The TDS of 2% is applicable to aggregate cash withdrawals.

It is important to note that these fees and charges are subject to change, and cardholders should refer to the HDFC Bank website or contact customer service for the latest information.

Benefits

The HDFC Moneyback credit card comes with several benefits that make it a popular choice among cardholders in India. Here are some of the key benefits:

• The card provides cashback rewards on all purchases made using it, which cardholders can redeem for a statement credit.
• The cardholder earns reward points on all transactions made using the card, which they can redeem for various gifts and vouchers.
•  The card offers a fuel surcharge waiver of up to 1% on fuel purchases made using the card.
• The card supports contactless payments, making it easier and faster to make purchases.
• The zero liability protection feature of the card ensures that the cardholder is not held liable for any fraudulent transactions made using the card.
• The card offers discounts on dining, shopping, and entertainment at select merchants.
•  The card comes with EMV chip technology, making it more secure and less fraud-prone.

Overall, the HDFC Moneyback credit card is a good option for individuals who want to earn rewards and cashback on their daily purchases, while also enjoying several other benefits and features.

Unlocking More Rewards and Savings with HDFC Moneyback Credit Card

The HDFC Moneyback Credit Card is a popular credit card offered by HDFC Bank in India that provides a range of benefits, including cashback, reward points, fuel surcharge waivers, contactless payments, zero liability protection, and discounts. By understanding the features and fees associated with the card, users can maximize their rewards and savings potential.

To unlock more rewards and savings with the HDFC Moneyback Credit Card, users should start by understanding the earning potential of the card. The card offers 2 reward points for every Rs. 150 spent on the card, and users can earn up to 4X reward points for their online spending. The accumulated reward points can be redeemed for cash back or for various merchandise options available on the HDFC Bank rewards portal.

Users can also take advantage of the fuel surcharge waiver of up to Rs. 250 per statement cycle and a 1% fuel surcharge waiver on fuel transactions made at fuel stations across India. By using the card for fuel purchases, users can save money on fuel expenses and earn rewards at the same time.

Conclusion

The HDFC Moneyback credit card is a popular credit card offered by HDFC Bank in India. It offers cashback rewards, reward points, fuel surcharge waivers, contactless payments, zero liability protection, discounts, and EMV chip technology. The HDFC credit card is a good option for individuals who want to earn rewards and cashback on their daily purchases, while also enjoying several other benefits and features. However, cardholders should also be aware of the fees and charges associated with the card, such as the joining fee, annual fee, interest rate, cash advance fee, over-limit fee, and late payment fee. It is important to use the card responsibly and make timely payments to avoid incurring additional charges. The HDFC Moneyback credit card has a fee structure that includes a joining fee of Rs. 500 and an annual fee of Rs. 500 (from the second year onwards).

Overall, the HDFC Moneyback credit card is a good option for individuals who want to earn cashback rewards and other benefits on their daily purchases, but it is important to consider the fees and charges before applying for the card.