HDFC Bank MoneyBack Plus Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
प्रकार
Travel Credit Card
ब्याज दर
3.40%p.m. 40.80%p.a.
पात्रता
Salaried: Nationality: Indian, Age: Min 21 years and maximum 60 years.
Income: Gross monthly salary should be greater than INR 20,000
Self Employed: Nationality: Indian, Age: Min 21 years and maximum 65 years.
Income: ITR > INR 6.0 Lakhs per annum
पेशेवरों
Welcome Benefit: Users will get 500 cash points on payment of the annual fee.
Reward System: Reward System: Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%.
Milestone Benefit: Rs. 500 gift voucher on spending INR 50,000 per calendar quarter on card.
Upto 20% discount on partner restaurants via Swiggy Dineout (20K + restaurants).
Annual fee reversal on spending INR 50,000 and above in a year.
दोष
Low general cashback rate.
Limited value adds benefits.
No lounge visit.
No free movie tickets.
पक्ष विपक्ष
Welcome Benefits
Users will get 500 cash points on payment of the annual fee.
पुरस्कार प्रणाली
Reward System: Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Bank charges Cross Currency mark-up fees of 3.5% on the transaction value
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy. The value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month).
Eligibility Criteria
Salaried: Nationality: Indian, Age: Min 21 years and maximum 60 years.
Income: Gross monthly salary should be greater than INR 20,000
Self Employed: Nationality: Indian, Age: Min 21 years and maximum 65 years.
Income: ITR > INR 6.0 Lakhs per annum
फ़ायदे
Decent special cashback rate.
Milestone benefit every quarter.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
HDFC Bank Website: Visit the HDFC Bank website.
Credit Card Section: Click on the "Credit Cards" section.
MoneyBack Plus Card: Select the "MoneyBack Plus Credit Card".
Apply Now: Click on "Apply Now".
Application Form: Fill out the application form with your personal details, income information, and employment details.
Document Upload: Upload scanned copies of the required documents.
Submit Application: Submit the completed application form.
सम्पर्क करने का विवरण
Toll free no. 800 202 6161 / 1860 267 6161
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: Users will get 500 cash points on payment of the annual fee.
Reward System: Reward System: Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%.
Milestone Benefit: Rs. 500 gift voucher on spending INR 50,000 per calendar quarter on card.
Upto 20% discount on partner restaurants via Swiggy Dineout (20K + restaurants).
Annual fee reversal on spending INR 50,000 and above in a year.
Low general cashback rate.
Limited value adds benefits.
No lounge visit.
No free movie tickets.
The HDFC Bank MoneyBack Plus Credit Card can be a good option for individuals who want a basic card with cashback on all purchases and additional benefits like fuel surcharge waiver and global acceptance. However, the high interest rate and annual fee are factors to consider before applying. Compare this card with other options to make an informed decision.
HDFC Bank MoneyBack Plus Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Joining/Renewal Membership Fee – ₹500/-
Reissue of Lost, Stolen or Damaged Card: ₹100
Late Payment Charges: Less than Rs. 100 – Nil Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 to Rs. 25,000 – Rs. 800 Rs. 25,000 to Rs. 50,000 – Rs. 1,100 Above Rs. 50,000 – Rs. 1,300
Foreign Currency Markup: 3.5 % of the transacted amount
Interest Rates: 3.6% per month (or 43.2% annually)
Cash Advance Charges: 2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Rewards Redemption Fee: Rs. 99 per redemption request
ईंधन अधिशुक्ल
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
Billing Cycle
30 Days