On achieving annual spends of Rs. 5 lakhs and 8 lakhs, earn 15,000 bonus Reward Points
Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
Complimentary membership to the Priority Pass Program worth $99
Six complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
Enjoy obtaining Club Vistara Silver membership as complimentary
You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
Earn 2 Reward Points on every Rs 150 spent
Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25
Editor's Review
Pros
Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
Earn nearly 50,000 Bonus Reward Points worth Rs. 12,500 per year
On achieving annual spends of Rs. 3 lakhs and 4 lakhs, earn 10,000 bonus Reward Points
Cons
High joining/renewal fees
Although the Credit Card offers savings on rental cars on Hertz & Avis, which is good, but in India, there’s no much scope for it
Pros
Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate