HDFC MoneyBack+
Entry-level cashback with very low waiver bar.
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5-year value calculator
How much HDFC MoneyBack+ actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
500 CashPoints on first transaction
What you get
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the HDFC MoneyBack+
The SaaS subscriptions where HDFC MoneyBack+ earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,23,420/yr.
Greenhouse
2% rewards on hr category — better than the 1% default.
Drift
2% rewards on crm category — better than the 1% default.
Vanta
2% rewards on engineering category — better than the 1% default.
Drata
2% rewards on engineering category — better than the 1% default.
Trello
5% rewards on productivity category — better than the 1% default.
PostHog
5% rewards on marketing category — better than the 1% default.
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