Which card has the lower annual fee?

HDFC 6E Rewards 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.

Side-by-side · honest numbers

HDFC 6E Rewards Credit Card vs HDFC MoneyBack+ Credit Card

Honest side-by-side comparison of HDFC 6E Rewards Credit Card, HDFC MoneyBack+ 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 leads HDFC 6E Rewards Credit Card by about ₹310/yr in estimated net value.

HDFC 6E Rewards Credit Card vs HDFC MoneyBack+ Credit Card comparison table
Feature	HDFC 6E Rewards Credit Card HDFC Bank	HDFC MoneyBack+ Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹690/yr
Online shopping	—	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—
Top reward rate	5X reward points	10X points
Primary reward cap	No monthly cap published	₹2,500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500

Frequently asked questions

Which card has the lower annual fee?: HDFC 6E Rewards 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.

Customize your spend

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

Card 1

HDFC 6E Rewards Credit Card

HDFC Bank

Card 2

HDFC MoneyBack+ Credit Card

HDFC Bank

Your adjusted comparison

Feature	HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank	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
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹690/yr
Online shopping	—	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—
Top reward rate	5X reward points	10X points
Primary reward cap	No monthly cap published	₹2,500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500

HDFC 6E Rewards Credit Card details →HDFC MoneyBack+ Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC 6E Rewards Credit Card comparisons