SBI Cashback Credit Card
95/100SBI Card
The ultimate zero-hassle online shopping card in India.
Annual Fee₹999 + GST
Reward5% Flat Cashback on online merchant spends
LoungeNo complimentary lounge access
Apply Now →HDFC Bank MoneyBack+ Credit Card
70/100HDFC Bank
A simple starter card that pays its best rate on the big online stores.
Credwiser Score 70/100
HDFC Bank MoneyBack+ Credit Card
HDFC Bank • A simple starter card that pays its best rate on the big online stores.
MoneyBack+ is an entry level rewards card focused on online shopping, with 10X CashPoints on five popular merchants and 2 CashPoints per ₹200 elsewhere. CashPoints are worth up to ₹0.25 each against the statement, on SmartBuy travel or in the rewards catalogue. A ₹500 gift voucher on ₹50,000 spends every quarter sweetens the deal for steady spenders.
Annual Fee (+ 18% GST)₹500 (₹590 incl. GST)
Fee Waiver₹50,000 annual spend
Joining Perk500 CashPoints as a welcome benefit on paying the joining fee
Primary Reward10X CashPoints, that is 20 CashPoints per ₹200, on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, worth up to 2.5% back
Airport Lounge AccessNo complimentary lounge access with this card; it is not listed among the lounge-eligible cards in the HDFC Bank MITC
Forex Markup3.5% + 18% GST
RuPay UPIYes — RuPay UPI enabled
Best ForFirst-time users who shop mostly on Amazon, Flipkart and Swiggy
What We Like
- 10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart
- Low ₹500 fee, waived on just ₹50,000 annual spend
- RuPay variant earns CashPoints on UPI spends, capped at 500 points a month
Watch Out
- 10X earnings are capped at 2,500 CashPoints per month
- No complimentary lounge access
- Fuel, rent, wallet loads and government spends earn nothing
MITC & Hidden Charges
18% GST applies to annual fee (Total ₹590). Foreign currency transactions attract a 3.5% markup plus GST. Other charges as per the issuer's MITC.
HDFC Bank MoneyBack+ Credit Card FAQs
How is the MoneyBack+ annual fee waived?
Spend ₹50,000 or more in a year and the ₹500 renewal fee is waived, as per the official fees page.
Can I use the MoneyBack+ RuPay card for UPI payments?
Yes. The official card terms state that RuPay cardholders earn 2 CashPoints per ₹200 on UPI spends, capped at 500 points per calendar month.
Alternatives to Consider
Amazon Pay ICICI Credit Card
93/100ICICI Bank
The most popular Lifetime Free card in Indian banking history.
Annual Fee₹0 LTF
Reward5% unlimited Amazon cashback for Prime members
LoungeNo complimentary lounge access
Apply Now →HDFC Millennia Credit Card
89/100HDFC Bank
HDFC’s flagship cashback card for young professionals.
Annual Fee₹1,000 + GST
Reward5% Cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra
Lounge4 Domestic Lounge visits per year (spend-linked)
Apply Now →