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HDFC · entry tier
HDFC MoneyBack+
First credit card for salaried professionals
Joining fee
₹500
Annual fee
₹500
Base rate
2%
Expert rating
7.5/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹55,200
Fees-₹500
Net annual value+₹54,700
Value breakdown
online (10x)+₹48,000
Base rate (2%)+₹7,200
Annual fee (waived)+₹0
Joining fee (year 1)₹500
— Highlights
- 10X on top online brands
- Low fee easy waiver
— Reward rates
Earn by category
online
10X
10X on Amazon, Flipkart, BigBasket, Swiggy, Uber