For those who love online shopping or who use a wide range of platforms and streaming services, the HDFC Bank Moneyback Plus credit card becomes interesting and advantageous.
The benefits that come with the card are divided between different categories, which is very interesting, after all, they cater to different customer profiles and tastes.
These include: Waiver of some fees, earning points, cash back, among others.
Regardless of what we have said so far, the ideal is for you to decide for yourself whether this card is really ideal to meet your personal needs.
Therefore, we advise you to continue reading to see if the HDFC Bank Moneyback Plus credit card is really the financial solution you are looking for.
Credit card pros and cons
HDFC Bank Moneyback Plus Credit Card Fees and Fees
Understand the amounts to be paid when using the services provided by the card:
- Membership Fee: Rs. 500
- Annual Fee: Rs. 500 (free if annual usage is Rs 50,000 or more)
- Minimum Income Required: Self-Employed: Rs. 6 lakh annually / Salaried: Rs. 25,000h
- Interest: 3.6% monthly;
- Late Payment: Less than Rs. 100: Free;
- Withdrawal fee: 2.5% of the withdrawn amount or the minimum amount of Rs. 500;
- Withdrawal limit: 40%;
- Additional card: Free;
- Minimum refund amount: 5%;
- Annual percentage rate: 43.30%;
- International transactions: 3.50%;
- Surcharge on fuel transactions: 1%;
- 2nd copy of credit card: $$100.
About the bank
HDFC Bank Limited is recognized for the diversity of banking services offered to individuals and corporate entities.
The main sectors are: Treasury, Wholesale and Retail Banking, among other banking services to broadly meet various needs.
It is a private sector bank founded in India and its main focus is expanding international branches, which allows it to serve customers who are not residents of the country.
In 2023, a merger took place between HDFC Bank and HDFC Ltd, which is a housing finance company, this merger took place to further improve the financial services available.
App
The HDFC Bank Moneyback Plus credit card provides an intuitive and easy-to-use application.
Through it, you can control your card spending and request services from the bank.
To download the app, simply go to the store on your cell phone and download it.
Opinion about HDFC Bank Moneyback Plus credit card
Cards that offer points and cash back are usually advantageous, of course some offer better earnings and others not so much. But, we find HDFC Bank Moneyback Plus’ earnings interesting.
The fact that it is managed by HDFC and that it has the Visa brand, which is recognized worldwide, makes this card extremely attractive.
So if you want fair returns from a basic credit card that meets your needs and desires to get good financial returns, choosing this card is the right decision.
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