HDFC MoneyBack+ cashback rate, cap and annual fee
HDFC MoneyBack+ pays 2% at Amazon, Flipkart and Swiggy — on the first INR 25,000 you spend on it each month, which is where the INR 500 cap stops it. The card costs INR 500 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
HDFC Bank · India · catalogue v121
Read from HDFC Bank's own published terms on 30 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Amazon, Flipkart and Swiggyonline and delivery | 2.00% | INR 500reached at INR 25,000 of spend10X, 20 CashPoints per ₹200 at Amazon, Flipkart and Swiggy, non-EMI. Inside one 2,500-CashPoint 10X allowance a calendar month across the five merchan |
| BigBasket and Reliance Smart SuperStoregroceries | 2.00% | INR 500reached at INR 25,000 of spend10X, 20 CashPoints per ₹200 at BigBasket and Reliance Smart SuperStore (Reliance Fresh, Smart, Sahakari Bhandar). Inside one 2,500-CashPoint 10X allow |
| everything else | 0.20% | —2 CashPoints per ₹200 (from 15 May 2026; it was 2 per ₹150); 15,000 points a statement cycle at most. |
| groceries | 0.20% | INR 200reached at INR 100,000 of spend2 per ₹200 elsewhere, at most 1,000 points a month. |
| utility billsgovernment | 0.20% | INR 400reached at INR 200,000 of spendUtilities earn 2 per ₹200, at most 2,000 points a month. |
| phone and internet | 0.20% | INR 400reached at INR 200,000 of spend2 per ₹200, at most 2,000 points a month. |
| fuel | None | —Fuel earns no CashPoints. |
| rent and property | None | —Rent earns no CashPoints (MITC, all cards since 1 Jan 2023). |
| government | None | —Government payments earn no CashPoints. |
| paid through third-party apps | None | —Education paid through CRED, Cheq, MobiKwik and similar apps earns no CashPoints; paid direct to the school or college it earns the base rate. |
Questions people ask
What cashback does the HDFC MoneyBack+ pay?
2% at Amazon, Flipkart and Swiggy, and 5 other rates. The top rate is capped at INR 500 a month.
Is there a cap on the HDFC MoneyBack+?
Yes. amazon, flipkart and swiggy is capped at INR 500 a month; bigbasket and reliance smart superstore is capped at INR 500 a month; groceries is capped at INR 200 a month; and so on.
What is the annual fee on the HDFC MoneyBack+?
INR 500 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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