Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs HDFC MoneyBack+ Credit Card vs IDFC FIRST Select Credit Card
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, HDFC MoneyBack+ Credit Card, IDFC FIRST Select 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, IDFC FIRST Select Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹1,380/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | HDFC MoneyBack+ Credit Card HDFC Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹690/yr | ₹2,070/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 | 3X reward points |
| Primary reward cap | No monthly cap published | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Select Credit Card leads with an estimated ₹2,070/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.
HDFC 6E Rewards Credit Card
HDFC Bank
HDFC MoneyBack+ Credit Card
HDFC Bank
IDFC FIRST Select Credit Card
IDFC FIRST 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 | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹690/yr | ₹2,070/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 | 3X reward points |
| Primary reward cap | No monthly cap published | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-hdfc-moneyback-plus-vs-idfc-first-selectMore HDFC 6E Rewards Credit Card comparisons
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