Benefits of HDFC MoneyBack+ Credit Card

• Attractive Reward Points (CashPoints) Structure:
  • 10X CashPoints on Partner Brands: Earn 20 CashPoints per ₹150 spent on Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore (~3.33% reward rate; 1 CashPoint = ₹0.25).
  • 5X CashPoints on EMI Spends: Earn 10 CashPoints per ₹150 on EMI transactions at merchant outlets.
  • 2X CashPoints on Retail Spends: Earn 4 CashPoints per ₹150 on other eligible retail purchases (~1% reward rate). Fuel, wallet reloads, prepaid card loads, and vouchers are excluded.
  • UPI Rewards (RuPay Variant): Earn 2 CashPoints per ₹150 on UPI transactions with the RuPay variant (capped at 500 points/month; excludes fuel, wallets, vouchers).

Steps to Apply for HDFC MoneyBack+ Credit Card

• 1. Online Application:
  • Step 1: Visit HDFC Bank Website
    Go to the official HDFC Bank website (www.hdfcbank.com), navigate to “Credit Cards” under “Personal Banking,” and select the “MoneyBack+ Credit Card.”
  • Step 2: Check Eligibility
    Click “Apply Now” or “Check Eligibility.” Enter your name, mobile number, email, PAN, income, employment type, and city.
  • Step 3: Complete Application Form
    If eligible, fill out details such as date of birth, current and permanent address, employment details, and income.
  • Step 4: Upload Documents
    Upload digital copies of required documents (ID, address proof, income proof, and a recent photograph). Accepted formats include PDF, JPEG, PNG (under 5MB).
  • Step 5: Verify and Submit
    Review all information, provide consent for credit checks, and e-sign if prompted. Submit the application online.
  • Step 6: Application Tracking
    Receive an Application Reference Number via SMS/email to track your application status.
  • Step 7: Verification & Delivery
    The bank may conduct Video KYC, call, or in-person verification. On approval, the card is delivered within 7–10 working days.
  • Alternate Platforms:
    You can also apply via platforms like Groww, Finology, BankBazaar, or Paisabazaar, which follow similar steps and redirect to HDFC's portal.
• 2. Offline Application:
  • Step 1: Visit a Branch
    Use the HDFC Bank branch locator to find the nearest branch and request the MoneyBack+ Credit Card application form.
  • Step 2: Fill and Submit the Form
    Provide personal, address, employment, and income details. Attach self-attested documents and a photograph.
  • Step 3: Document Verification
    The representative may verify originals. Verification may also involve a call, visit, or video KYC.
  • Step 4: Track Application
    Use the provided reference number to check the status through customer care or the bank’s website.
  • Step 5: Card Delivery
    Post-approval, the card will be delivered to your address within 7–10 working days.
• 3. Through Customer Care:
  • Call HDFC Bank’s toll-free number and request to apply for the MoneyBack+ Credit Card.
  • The representative will assist with eligibility checks and guide you through the online or offline application process.

Eligibility Criteria for HDFC MoneyBack+ Credit Card

• For Salaried Individuals:
  • Age: Must be between 21 and 60 years at the time of application
  • Nationality: Must be a resident of India
  • Minimum Monthly Income: At least ₹20,000 gross (may vary slightly based on city of residence)
  • Employment Status: Employed with a reputed organization, preferably with stable employment (typically 6+ months in current job)
  • Credit History: A good credit score (preferably 750+); strong income profile may compensate for limited history
• For Self-Employed Individuals:
  • Age: Must be between 21 and 65 years at the time of application
  • Nationality: Must be a resident of India
  • Minimum Income: ITR showing an annual income of at least ₹6,00,000
  • Business/Profession Stability: Business should be operational for 1–2 years with verifiable income (through ITR or audited financials)
  • Credit History: A good credit score (preferably 750+); consistent repayment improves approval chances
• Documents Required:
  • Proof of identity (e.g., Aadhaar, PAN, Passport)
  • Proof of income (e.g., salary slips, ITR, bank statement)
  • Proof of address (e.g., utility bill, rent agreement, passport)
• Other Considerations:
  • Applicants should not have negative credit records or defaults
  • Must meet the bank’s internal underwriting and risk assessment criteria
• Existing HDFC Customer: Existing savings or salary account holders may get faster approval.
• City Tier Classification: Eligibility criteria (like income requirement) may vary for metro vs non-metro cities.
• Credit Utilization Ratio: A low credit utilization (<30%) on existing cards increases approval chances.
• Debt-to-Income Ratio: Lower DTI (monthly EMIs vs income) reflects financial discipline and boosts eligibility.
• Past Relationship with Bank: Previous loan/card repayment history with HDFC improves trustworthiness.
• Supplementary Card Requests: Applicants can request add-on cards for family members if they meet age criteria.
• Email and Mobile Verification: A valid email ID and mobile number are mandatory for communication and e-statements.
• KYC Compliance: Complete KYC must be fulfilled before the card can be issued or activated.
• No Prior Card Rejection: If you’ve been recently rejected by HDFC, wait at least 6 months before reapplying.
• Digital Onboarding Eligibility: Customers with full KYC and clean profiles may complete application via e-KYC and video verification.