The specialty of Moneyback Credit Cards is that you can get a certain amount of money back on the transactions made with the card. The wide variety of HDFC Credit cards also has two variants available in the category:

  1. HDFC MoneyBack Credit Card
  2. HDFC MoneyBack Plus Credit Card.

Let us see some of the distinct features of HDFC MoneyBack Plus Credit Card vs MoneyBack Credit card to see which one can work best for you:

 

Joining Fee:

HDFC Moneyback Credit Card: Rs. 500/- + Applicable Charges

HDFC Moneyback plus Credit Card: Rs. 500/- + Applicable Charges

*Renewal fee waived off on spending Rs. 50,000 or more in the previous year.

 

Eligibility:

HDFC Moneyback Credit Card: Monthly income > Rs. 25,000 (for salaried Indian Nationals), Annual Income > Rs. 6.0 lakhs (for self-employed Indian Nationals)

HDFC Moneyback plus Credit Card: Monthly income > Rs. 20,000 (for salaried Indian Nationals), Annual Income > Rs. 6.0 lakhs (for self-employed Indian Nationals)

 

Welcome Benefits:

HDFC Moneyback Credit Card: 500 Cash Points on the payment of the joining fee.

HDFC Moneyback plus Credit Card: 500 Cash Points on the payment of the joining fee.

 

Key Benefits:

HDFC Moneyback Credit Card: The Credit Card Comes with the following Key benefits:

  • 2 Reward Points on every Rs 150 spent.
  • 2X Reward Points on every Rs 150 spent online.
  • Gift voucher worth Rs. 500 on the spending of Rs 50,000.
  • Up to 50 days of the interest-free period.
  • 1% fuel surcharge waiver at all fuel stations across India.
  • Convert your big payments into small EMIs with Smart EMI.
  • Contactless Payment.
  • 1 RewardPoint = up to ₹0.25.
  • The validity of Reward Points is 2 years.

HDFC Moneyback plus Credit Card:

  • 2 CashPoints per ₹150 spent.
  • 5X CashPoints on EMI spends.
  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy.
  • Up to 50 days of the interest-free period.
  • 1% Fuel Surcharge waiver on fuel.
  • Gift voucher worth ₹500 on spends of ₹50,000 & above (every quarter).
  • 1 CashPoint = ₹0.25 redeemable at minimum cash points equivalent to Rs. 500.
  • The validity of Reward Points is 2 years.
  • Contactless Payments.
  • Convert your big payments into small EMIs with Smart EMI.

 

Dining Benefits:

HDFC Moneyback Credit Card: No major Dining Benefits.

HDFC Moneyback plus Credit Card: Up to 15% off at 2000+ premium restaurants in designated cities.

On comparing HDFC Moneyback Plus Credit Card and HDFC Moneyback Credit Card we can clearly say that Moneyback Plus is an upgraded version of the traditional HDFC money back card and hence it provides enhanced benefits and relaxed eligibility criteria!