Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs RBL Bank Icon Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, RBL Bank Icon Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Bharat Cashback Credit Card
HDFC Bank
RBL Bank Icon Credit Card
RBL Bank
Your adjusted comparison
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹15,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,670/yr | -₹5,780/yr |
| Fuel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo | — |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 5% cashback | 2X points/₹150 |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-rbl-iconReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads RBL Bank Icon Credit Card by about ₹9,450/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹15,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,670/yr | -₹5,780/yr |
| Fuel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo | — |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 5% cashback | 2X points/₹150 |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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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