HDFC MoneyBack+ Credit Card: Ek Aisa Card Jo Har Kharch Mein Deta Hai Cashback!
Agar aap ek aisa credit card dhoondh rahe hain jo aapke har kharch par rewards aur cashback de, toh "HDFC MoneyBack+ Credit Card" aapke liye perfect ho sakta hai! Yeh entry-level credit card beginners ke liye ek shandaar option hai, jo online shopping, dining, aur daily expenses par bhi rewards deta hai. Is article mein hum aapko is card ke features, benefits, apply karne ka process, eligibility, aur important documents ke baare mein sab kuch batayenge. Chaliye shuru karte hain!
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HDFC MoneyBack+ Credit Card Kya Hai?
HDFC MoneyBack+ Credit Card ek upgraded version hai HDFC ke popular MoneyBack card ka. Yeh card specially un logon ke liye design kiya gaya hai jo apne daily spends par cashback aur rewards earn karna chahte hain. Is card ke saath aapko online shopping jaise Amazon, Flipkart, Swiggy, aur BigBasket par 10X CashPoints milte hain, jo isko ek zabardast choice banata hai online shoppers ke liye. Saath hi, iski low annual fee aur easy eligibility criteria isko beginners ke liye aur bhi attractive banate hain.
Key Features of HDFC MoneyBack+ Credit Card
10X CashPoints: Amazon, Flipkart, BigBasket, Swiggy, aur Reliance Smart SuperStore par har Rs. 150 ke kharch par 20 CashPoints.
5X CashPoints: EMI transactions aur PayZapp ke through kiye gaye kharch par.
2 CashPoints: Har Rs. 150 ke anya kharch par (fuel, wallet loads, ya voucher purchases ke alawa).
Fuel Surcharge Waiver: Rs. 400 se Rs. 5,000 ke fuel transactions par 1% waiver (max Rs. 250 per statement cycle).
Zero Lost Card Liability: Card kho jaaye toh turant report karne par koi fraud transaction ka responsibility nahi.
Interest-Free Period: 50 din tak interest-free credit period, agar merchant time par charge submit kare.
Contactless Payments: Rs. 5,000 tak ke transactions ke liye bina PIN ke fast aur secure payment.
EMI Option: Bade purchases ko aasani se EMI mein convert kar sakte hain.
Benefits of HDFC MoneyBack+ Credit Card
Welcome Benefit: Membership fee pay karne par 500 CashPoints milte hain.
Quarterly Gift Vouchers: Har quarter mein Rs. 50,000 kharch karne par Rs. 500 ka gift voucher. Saal bhar mein Rs. 2,000 tak ke vouchers earn kar sakte hain.
Dining Discounts: Swiggy Dineout ke through partner restaurants par 20% tak discount.
Reward Redemption: CashPoints ko statement balance ke against redeem kar sakte hain (1 CashPoint = Rs. 0.25). Ya phir SmartBuy Rewards Portal par flight/hotel bookings aur rewards catalogue ke liye use kar sakte hain.
Low Annual Fee: Annual fee sirf Rs. 500, jo Rs. 50,000 saal bhar mein kharch karne par waive ho sakti hai.
HDFC MoneyBack+ Credit Card Ke Liye Kaise Apply Karein?
HDFC MoneyBack+ Credit Card ke liye apply karna bohot aasan hai. Aap online ya offline dono tarike se apply kar sakte hain. Niche step-by-step process diya gaya hai:
1. Visit HDFC Bank Website: HDFC Bank ke official website (www.hdfcbank.com) par jayein aur ‘Credit Cards’ section mein MoneyBack+ Credit Card chunein.
2. Check Eligibility: ‘Check Eligibility’ button par click karein aur apna mobile number aur PAN card number enter karein.
3. Fill Application Form: Personal details, income details, aur other necessary information bhar dein.
4. Submit Documents: Required documents upload karein (details niche diye gaye hain).
5. Track Application: Application submit karne ke baad ek application ID milega, jisse aap apne application status ko track kar sakte hain.
6. Approval aur Delivery: Agar aap eligible hote hain, toh bank aapke application ko approve karega aur card aapke address par deliver ho jayega.
Note: Aap HDFC Bank ke nearest branch mein bhi jaakar apply kar sakte hain.
Important Documents for HDFC MoneyBack+ Credit Card
Card ke liye apply karte waqt aapko kuch important documents submit karne honge. Yeh documents aapke identity, address, aur income ko verify karte hain:
- Identity Proof: PAN Card, Aadhaar Card, Voter ID, Driving License, ya Passport (koi ek).
- Address Proof: Aadhaar Card, Passport, Utility Bill (electricity/phone bill), ya Ration Card.
- Income Proof: Latest salary slips (salaried individuals ke liye), ya ITR documents (self-employed ke liye).
- Photograph: 2 passport-size photographs.
Pro Tip: Ensure karein ki aapke documents updated aur clear hain taaki verification process mein koi delay na ho.
Eligibility Criteria for HDFC MoneyBack+ Credit Card
HDFC MoneyBack+ Credit Card ke liye eligibility criteria bohot simple hai, jo isko beginners ke liye ek ideal option banata hai:
Nationality: Indian ya Non-Resident Indian (NRI).
Age:
- Salaried Individuals: 21 se 60 years.
- Self-Employed Individuals: 21 se 65 years.
Income:
- Salaried: Minimum Rs. 25,000 per month.
- Self-Employed: ITR of Rs. 6 lakh per annum ya zyada.
Credit Score: Acha credit score (750 ya usse zyada) recommended hai, lekin yeh card low credit score wale beginners ke liye bhi suitable hai.
Additional Benefits aur Limitations
★Additional Benefits
SmartBuy Portal: CashPoints ko flight aur hotel bookings ke liye redeem kar sakte hain, jahan 1 CashPoint = Rs. 0.25.
UPI Payments: RuPay variant ke saath UPI transactions par bhi 2 CashPoints per Rs. 150 spend (max 500 points per month).
Referral Program: Apne friends ko refer karein aur Rs. 1,000 tak ke vouchers earn karein.
★Limitations
No Travel Benefits: Is card mein complimentary airport lounge access nahi hai.
Capped Rewards: Grocery aur online spends par reward points capped hain (max 2,500 CashPoints per month).
No Fuel Rewards: Fuel transactions par koi reward points nahi milte.
Redemption Fee: Rewards redeem karne ke liye Rs. 99 ka charge lag sakta hai.
FAQs about HDFC MoneyBack+ Credit Card
Q1: HDFC MoneyBack+ Credit Card ka annual fee kya hai?
Ans: Annual fee Rs. 500 hai, lekin agar aap saal bhar mein Rs. 50,000 kharch karte hain, toh yeh waive ho sakta hai.
Q2: Kya is card ke saath lounge access milta hai?
Ans: Nahi, is card mein complimentary lounge access nahi hai. Agar aapko lounge access chahiye, toh HDFC ke premium cards jaise Regalia ya Diners Club Black consider karein.
Q3: CashPoints ko kaise redeem kar sakte hain?
Ans: Aap CashPoints ko NetBanking ke through statement balance ke against redeem kar sakte hain (1 CashPoint = Rs. 0.25). Ya phir SmartBuy Rewards Portal par flight/hotel bookings ke liye use kar sakte hain. Minimum 2,500 CashPoints chahiye redemption ke liye.
Q4: Kya yeh card beginners ke liye suitable hai?
Ans: Haan, yeh card low income eligibility (Rs. 25,000/month) aur simple criteria ke saath beginners ke liye perfect hai.
Q5: Card kho jaye toh kya karein?
Ans: Turant HDFC ke 24-hour customer care (1800 1600 / 1800 2600) par report karein. Aapko kisi bhi fraudulent transaction ka liability nahi hoga.
Conversational Keywords
- HDFC MoneyBack+ Credit Card
- Cashback credit card
- Online shopping rewards
- Entry-level credit card
- HDFC rewards redemption
- Fuel surcharge waiver
- Contactless payments
- EMI conversion
- Gift vouchers
- Zero lost card liability
Why Choose HDFC MoneyBack+ Credit Card?
Yeh card un logon ke liye ek zabardast option hai jo apne daily expenses par rewards aur cashback chahte hain. Iska low annual fee, easy eligibility, aur 10X CashPoints on popular brands jaise Amazon aur Swiggy isko online shoppers ke liye ek must-have card banate hain. Agar aap ek beginner hain ya apna credit score build karna chahte hain, toh yeh card aapke liye ek shandaar shuruaat ho sakta hai.
Toh, intezaar kyun? Aaj hi HDFC MoneyBack+ Credit Card ke liye apply karein aur apne har kharch ko aur bhi rewarding banayein! Agar aapko aur koi sawaal hai, toh niche comment karein, hum aapki help zaroor karenge!
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