Which card has the lower annual fee?

IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

HDFC Regalia Gold leads with an estimated ₹5,556/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 MoneyBack+ Credit Card vs HDFC Regalia Gold vs IRCTC ICICI Bank Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, HDFC Regalia Gold, IRCTC ICICI Bank 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 Regalia Gold ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹4,493/yr.

HDFC MoneyBack+ Credit Card vs HDFC Regalia Gold vs IRCTC ICICI Bank Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	HDFC Regalia Gold HDFC Bank	IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹500	₹2,500	₹0
Min income (monthly)	₹20,000	₹50,000	₹20,000
Top reward rate	10X points	4 RP/₹150	10% reward points
Net annual value (moderate spend)	₹690/yr	₹5,556/yr	₹1,063/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: HDFC Regalia Gold leads with an estimated ₹5,556/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	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	HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹500	₹2,500	₹0
Min income	₹20,000	₹50,000	₹20,000
Top reward rate	10X points	4 RP/₹150	10% reward points
Net value (moderate)	₹690/yr	₹5,556/yr	₹1,063/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	₹2,500	—

HDFC MoneyBack+ Credit Card details →HDFC Regalia Gold details →IRCTC ICICI Bank Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons