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?

American Express Platinum Travel Card leads with an estimated ₹6,240/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.

Side-by-side · honest numbers

American Express Platinum Travel Card vs HDFC MoneyBack+ Credit Card vs IndusInd Bank Pinnacle Credit Card

Honest side-by-side comparison of American Express Platinum Travel Card, HDFC MoneyBack+ Credit Card, IndusInd Bank Pinnacle 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, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹5,550/yr.

American Express Platinum Travel Card vs HDFC MoneyBack+ Credit Card vs IndusInd Bank Pinnacle Credit Card comparison table
Feature	American Express Platinum Travel Card American Express	HDFC MoneyBack+ Credit Card HDFC Bank	IndusInd Bank Pinnacle Credit Card IndusInd Bank
Annual fee	₹5,000	₹500	₹10,000
Min income (monthly)	₹60,000	₹20,000	₹75,000
Top reward rate	3X Membership Rewards/₹150	10X points	3X points/₹150
Net annual value (moderate spend)	₹6,240/yr	₹690/yr	-₹6,550/yr
Secured / FD-backed	No	No	No
Signup bonus	₹10,000	₹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?: American Express Platinum Travel Card leads with an estimated ₹6,240/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.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	American ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel 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	IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank
Annual fee	₹5,000	₹500	₹10,000
Min income	₹60,000	₹20,000	₹75,000
Top reward rate	3X Membership Rewards/₹150	10X points	3X points/₹150
Net value (moderate)	₹6,240/yr	₹690/yr	-₹6,550/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹10,000	₹500	—

American Express Platinum Travel Card details →HDFC MoneyBack+ Credit Card details →IndusInd Bank Pinnacle Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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