{
  "id": "hdfc-moneyback-plus-credit-card",
  "locale": "hi",
  "name": "HDFC Moneyback Plus Credit Card",
  "bank": "HDFC Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "शीर्ष ब्रांड्स पर 10X CashPoints (2.0%) · EMI पर 5X (1.0%) · बेस 2 CashPoints",
  "bestFor": "ऑनलाइन शॉपिंग (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart), EMI और कम शुल्क माफी लक्ष्य",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card",
  "aiVerdict": {
    "score": 3.8,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.2,
  "affiliateId": "hdfc-moneyback-plus-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — MoneyBack+ Credit Card schedule of charges",
    "HDFC CashPoints merchant partnership redemption terms"
  ],
  "feeWaiver": "₹50,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "शीर्ष मर्चेंट ब्रांड्स",
      "value": "10X (20 अंक / ₹200 = 2.0%)"
    },
    {
      "key": "मर्चेंट EMI खरीद",
      "value": "5X (10 अंक / ₹200 = 1.0%)"
    },
    {
      "key": "सामान्य रिटेल",
      "value": "2 अंक / ₹200 (0.2%)"
    },
    {
      "key": "माइलस्टोन वाउचर्स",
      "value": "₹500 / तिमाही (₹50k खर्च पर)"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹50,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Amazon, Flipkart, Swiggy, BigBasket व Reliance Smart",
      "rate": "10X (20 pts / ₹200 = 2.0%)",
      "monthlyCap": "2,500 pts / माह",
      "perLakhSpent": "10,000 pts मासिक सीमा से पहले (₹2,000 स्टेटमेंट मूल्य)"
    },
    {
      "category": "मर्चेंट EMI खरीद",
      "rate": "5X (10 pts / ₹200 = 1.0%)",
      "monthlyCap": "2,500 pts / माह",
      "perLakhSpent": "5,000 pts मासिक सीमा से पहले (₹1,000 स्टेटमेंट मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "2 pts / ₹200 (0.2%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 pts (₹200 स्टेटमेंट क्रेडिट)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "पार्टनर मर्चेंट्स",
      "multiplier": "10X",
      "rate": "2.0%",
      "monthlyCap": "2,500 pts / माह",
      "dailyCap": "—",
      "note": "Amazon, Flipkart, Swiggy."
    },
    {
      "channel": "मर्चेंट EMI",
      "multiplier": "5X",
      "rate": "1.0%",
      "monthlyCap": "2,500 pts / माह",
      "dailyCap": "—",
      "note": "EMI लेनदेन पर।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹500 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹50,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट कैश क्रेडिट",
      "value": "1 CashPoint = ₹0.20",
      "minPoints": "2,500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "SmartBuy फ्लाइट्स व होटल",
      "value": "1 CashPoint = ₹0.25",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹500 + GST (₹50,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}