What's good
- Quarterly milestone benefits on reaching spend targets
- Low income eligibility criteria
- Easy EMI conversion on purchases above ₹2,500
Watch out for
- Points value is relatively low (1 Point = ₹0.25)
- No complimentary lounge access
Who should pick this card?
Best suited for someone focused on entry-level online.
This sits in the Grocery & Retail category — Higher rewards on supermarkets, department stores, and local shopping. Best for in-store spenders.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
Compare HDFC MoneyBack+ with
Similar cards
More Grocery & Retail picks
Retail & Groceries
Axis Bank ACE Credit Card
A flat 1.5% uncapped cashback on all online and offline spends, plus 5% on utility bill payments via Google Pay and 4% on Swiggy, Zomato, and Ola.
Read review
Supermarket Runs
HSBC Live+ Credit Card
Formerly HSBC Cashback Card. Provides an outstanding 10% cashback on dining and grocery shopping, making it a staple for offline weekend errands.
Read review
High Volume Spenders
IDFC FIRST Select
The reward rate exponentially increases as you spend more in a billing cycle, rewarding heavy offline use.
Read review