Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs ICICI Bank MakeMyTrip Credit Card vs ICICI Platinum Chip
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, ICICI Bank MakeMyTrip Credit Card, ICICI Platinum Chip — 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, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of ICICI Platinum Chip by about ₹4,042/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank | ICICI Platinum Chip ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹999 | Lifetime free |
| Fee waiver threshold | ₹10,00,000/yr | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹35,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹3,900/yr | -₹142/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — |
| Top reward rate | 5 RP/₹150 | 10X reward points | 1 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- 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 Bank Infinia Credit Card
HDFC Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
ICICI Platinum Chip
ICICI Bank
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank | ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹999 | Lifetime free |
| Fee waiver threshold | ₹10,00,000/yr | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹35,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹3,900/yr | -₹142/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — |
| Top reward rate | 5 RP/₹150 | 10X reward points | 1 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | — |
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https://cardhungry.com/in/en/compare/hdfc-infinia-vs-icici-makemytrip-vs-icici-platinum-chipMore HDFC Bank Infinia Credit Card comparisons
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