Side-by-side · honest numbers
American Express Gold Card vs HDFC MoneyBack+ Credit Card vs RBL Bank Icon Credit Card
Honest side-by-side comparison of American Express Gold Card, HDFC MoneyBack+ Credit Card, RBL Bank Icon Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC MoneyBack+ Credit Card ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹120/yr.
| Feature | American Express Gold Card American Express | HDFC MoneyBack+ Credit Card HDFC Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹5,000 |
| Min income (monthly) | ₹60,000 | ₹20,000 | ₹50,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 10X points | 2X points/₹150 |
| Net annual value (moderate spend) | ₹570/yr | ₹690/yr | -₹4,803/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC MoneyBack+ Credit Card leads with an estimated ₹690/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹500 | ₹5,000 |
| Min income | ₹60,000 | ₹20,000 | ₹50,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 10X points | 2X points/₹150 |
| Net value (moderate) | ₹570/yr | ₹690/yr | -₹4,803/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | ₹500 | — |
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