# HDFC MoneyBack+

HDFC Bank · Visa. ₹500 fee · 3.5% forex · 2 CP/₹200 · UPI (RuPay) capped 500 RP/mo · ₹50 redemption fee, minimum 2,000 CP.

✓ official · checked 14 June 2026 · Source: https://www.hdfcbank.com/personal/pay/cards/credit-cards/money-back-plus

## How it earns (3)

- 2 CP/₹200 · UPI (RuPay) capped 500 RP/mo · ₹50 redemption fee, minimum 2,000 CP · ✓ official · checked 2 October 2026
- 10X (20 CP/₹200) at Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart, cap 2,500 CP/mo · cap 2,500 points per month · ✓ official · checked 2 October 2026
- 2 CP/₹200 on grocery, capped 1,000 CP/calendar month · cap 1,000 points per month · ✓ official · checked 2 October 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No CP: fuel, rent, wallet, EMI, govt
- No CashPoints on gift card / voucher purchases

## Milestones (1)

- ₹500 gift voucher @ ₹50K/quarter · ₹500 at ₹50,000 spend per quarter · ✓ official · checked 14 June 2026

## Fees

- Annual fee: ₹500 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%
- Earns: HDFC CashPoints (MoneyBack+) · ₹0.25 a point at baseline

## Dated changes (3)

- Devaluation · 15 May 2026: HDFC MoneyBack+ and Freedom now earn per ₹200, not ₹150 (https://getbrief.cards/changes#hdfc-mbp-freedom-may26)
- Devaluation · 1 July 2025: HDFC added 1% fees on rent, wallet, utilities and gaming (https://getbrief.cards/changes#hdfc-fee-regime)
- Devaluation · 1 September 2024: HDFC capped reward points on utilities and telecom (https://getbrief.cards/changes#hdfc-util-cap)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hdfc-moneyback-plus