It started on a rainy Tuesday afternoon, with coffee in one hand and my wishlist open on Flipkart. I had been scrolling through endless options when my phone buzzed—an alert from my bank offering me a lifetime free DCP credit card. The headline screamed no annual fee, exclusive travel offers, massive food discounts. Sounds great, right?
But wait.
I don’t travel much. I cook at home. My idea of indulgence? An impulsive Amazon cart filled with gadgets, grooming kits, and occasionally—LED fairy lights I don’t need.
So there I was, sipping espresso and questioning life choices, when I stumbled across the MoneyBack Plus Credit Card. That name stuck. It whispered: “Hey, I get your vibe. I’m here for the online shopaholics.”
What is the MoneyBack Plus Credit Card?
The MoneyBack Plus Credit Card is an upgraded version of the regular MoneyBack card, tailored especially for digital shoppers. Whether you’re stacking up on deals during Amazon’s Great Indian Sale or going bonkers over Flipkart’s Big Billion Days, this card is designed to make each rupee work for you.
With accelerated reward points, cashback benefits, and partnerships that align with e-commerce platforms, it’s a card that practically high-fives your online shopping habits.
Who is the MoneyBack Plus Card Made For?
The Online Warriors
If your screen time on Flipkart outpaces your daily steps, this is your turf.
The Deal Hunters
If you wait for the next mega-sale and compare prices across platforms like a ninja, you’re their target customer.
The Budget-Conscious Spenders
This card is built to reward frequent shoppers—especially on Amazon, Flipkart, BigBasket, and Swiggy Instamart—without hefty annual fees.
Key Features of the MoneyBack Plus Credit Card
Accelerated Rewards That Actually Make Sense
- 10X Reward Points on Amazon, Flipkart, BigBasket & Swiggy Instamart
- 3X Reward Points on other online spends
- 1 Reward Point = Re. 0.25 when redeemed on the HDFC SmartBuy portal
So if you spend Rs. 5000 a month on Amazon, that’s 500 reward points a month just like that!
Milestone Benefits
- Spend Rs. 50,000 in 3 months and get 500 CashPoints
- Spend Rs. 1,50,000 in a year and get a Rs. 500 gift voucher
These aren’t out-of-reach dreams. These are real perks for actual spends.
Low Annual Fee & Waiver Option
- Annual Fee: Rs. 500 + GST
- Waived off if you spend Rs. 50,000 in a year
That’s just a little over Rs. 4,000 a month. Flipkart knows you can hit that in a single sale.
Easy Redemption Options
- Redeem points on SmartBuy for flights, hotel bookings, vouchers, and more.
- Convert points to cashback.
It’s flexible. It’s friendly. It’s practical.
Why Not DCP or Travel Cards Then?
You mentioned you’re being offered DCP lifetime free. That’s tempting. But let’s be real:
- Do you travel by air at least 3-4 times a year?
- Are you a Zomato Gold or Swiggy One loyalist?
- Do you dine out or order gourmet meals frequently?
If not, you’re paying with invisible benefits.
Those premium travel cards often shine in airports and fine-dining—but lose their sparkle when you’re sitting at home scrolling through earbuds and back covers.
The MoneyBack Plus card is purpose-built for e-commerce geeks. It’s your Flipkart buddy, your Amazon enabler, and your cashback coach.
Real-Life Use Case: Flipkart vs DCP
Let’s take an average shopper—say you spend Rs. 10,000/month:
- Rs. 6,000 on Amazon/Flipkart
- Rs. 2,000 on BigBasket/Swiggy Instamart
- Rs. 2,000 on general stuff like bills or groceries
With MoneyBack Plus:
- Rs. 8,000 earns 10X points = 800 points
- Rs. 2,000 earns 3X points = 60 points
That’s 860 points/month → worth Rs. 215/month → Rs. 2,580/year just from spending!
With DCP?
- Unless you dine or fly, you earn standard low-value rewards.
Step-by-Step: How to Apply for the MoneyBack Plus Card
Eligibility Check
- Age: 21-60 (salaried/self-employed)
- Income: Rs. 15,000/month (minimum)
Visit HDFC Website or Branch
- Fill the online form or walk into a nearby branch
Upload Docs
- PAN, Aadhaar, salary slips or bank statement
Verification Call
- Expect a confirmation call within 48 hours
Receive Card Within 7-10 Days
- Activate using net banking or call support
Boom. You’re ready to earn while you spend.
Pro Tips & Hacks
- Use during Amazon/Flipkart Mega Sale to maximize 10X points
- Use SmartBuy for redemption to get highest value back
- Combine with festive EMI offers for double wins
- Set payment reminders—never pay interest!
Pros & Cons Summary Table
| Feature | MoneyBack Plus | DCP Lifetime Free |
|---|---|---|
| Annual Fee | Rs. 500 (waivable) | Free for life |
| Best For | Online Shoppers | Travel & Dining |
| Reward Rate | Up to 10X | Moderate unless travel heavy |
| Redemption | Flexible (cashback/vouchers/travel) | Mostly partner-driven |
| Travel Benefits | Basic | Premium |
Final Verdict
If you’re not flying every month or Instagramming avocado toast at a new café, the DCP card might not be your jam.
But if your daily routine involves adding items to your Flipkart cart, checking out on Amazon, and occasionally snagging a grocery deal from BigBasket, the MoneyBack Plus Credit Card is your golden goose.
Don’t let fancy words like “lounge access” and “priority check-in” trick you into a lifestyle that doesn’t fit.
