HDFC Bank
HDFC Bank MoneyBack+ Credit Card
HDFC Bank
4.5
Best for: Entry-level credit card for everyday expenses
Key Features
Annual Fee
₹500
Regular APR
3.6% per month (43.2% p.a.)
Cashback
Up to 2%
Rewards & Benefits
Sign-up Bonus
500 reward points
Rewards Rate
10X CashPoints on Amazon, Flipkart, Swiggy
Pros
- Low annual fee
- 10X points on popular platforms
- Up to 50 days interest-free
- Good for beginners
Cons
- Lower rewards on non-partner spends
- No lounge access
- Annual fee waiver requires ₹50K spend
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