HDFC MoneyBack+ Credit Card 2025
Save up to ₹15,000+ every year with 10X on Amazon, Flipkart, Swiggy + ₹500 voucher + completely free card!
If you shop regularly on Amazon, Flipkart or order from Swiggy, HDFC MoneyBack+ Credit Card is the best entry-level 10X card in India right now!
You get 10X CashPoints on Amazon, Flipkart, Reliance Smart, Swiggy, 5X on EMI & PayZapp, 1X on all other spends, ₹500 Amazon/Flipkart voucher on ₹50,000 annual spend, 1% fuel waiver, and currently available as Lifetime Free (no joining/annual fee).
CashPoints = Real Cash (1 CP = ₹1 on SmartBuy, ₹0.30 statement credit) – super easy redemption!
Why This Is The Best 10X Entry-Level Card in 2025?
10X Amazon/Flipkart/Swiggy • 5X EMI • ₹500 voucher • LTF offer • 1% fuel waiver • Instant redemption
Best for: Online shoppers, Amazon-Flipkart addicts, food delivery, first-time users
Limited Period – Lifetime Free + ₹500 Gift Voucher Every Year
Card At a Glance
₹0 (LTF offer)
₹0 (Lifetime Free current)
10X Amazon/Flipkart/Swiggy
CashPoints (1 CP = ₹1 SmartBuy)
1% up to ₹250/month
₹500 voucher on ₹50K spend
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (LTF offer) |
| Annual Fee | Nil (Lifetime Free current batch) |
| Welcome Benefit | Instant approval + ₹500 voucher on ₹50K spend |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (max ₹250/month) |
Detailed Reward Rates (2025)
- 10X CashPoints on Amazon, Flipkart, Reliance Smart, Swiggy
- 5X CashPoints on EMI spends & PayZapp transactions
- 1X CashPoints on all other spends
- 1 CashPoint = ₹1 on SmartBuy | ₹0.30 statement credit
- ₹500 Amazon/Flipkart voucher on ₹50,000 annual spend
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- Zero lost card liability (if reported instantly)
- Purchase protection up to ₹50,000
- Personal accident cover ₹5 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X on Amazon/Flipkart/Swiggy | No lounge access |
| Currently Lifetime Free | 3.5% forex markup |
| ₹500 voucher every year | CashPoints value lower outside SmartBuy |
| 5X on EMI & PayZapp | |
| Easy approval |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 (self-employed)
- Minimum Income: ₹25,000/month salary or ₹6 Lakh ITR
- Credit Score: 700+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit HDFC Bank website → Credit Cards → MoneyBack+
- Click Apply Now → Fill mobile & PAN
- Get instant pre-approval → Upload documents
- Video KYC → Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you shop on Amazon, Flipkart or order from Swiggy regularly, HDFC MoneyBack+ gives you 10X real cashback + ₹500 voucher every year + LTF — hands down the best lifetime-free online shopping card in India right now. Grab it before the LTF offer ends!
Frequently Asked Questions (FAQs)
10X on which platforms?
Amazon, Flipkart, Reliance Smart, Swiggy — unlimited.
Is it really lifetime free?
Yes, current applications are approved as Lifetime Free.
₹500 voucher every year?
Yes, on ₹50,000 annual spend.
CashPoints value?
₹1 on SmartBuy portal, ₹0.30 statement credit.