Which card has the lower annual fee?

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

Which card earns more on moderate spend?

ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/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 ICICI Amazon Pay Credit Card vs Kotak League Platinum

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, ICICI Amazon Pay Credit Card, Kotak League Platinum — 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 Amazon Pay Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹7,140/yr.

HDFC MoneyBack+ Credit Card vs ICICI Amazon Pay Credit Card vs Kotak League Platinum comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	ICICI Amazon Pay Credit Card ICICI Bank	Kotak League Platinum Kotak Mahindra Bank
Annual fee	₹500	₹0	₹0
Min income (monthly)	₹20,000	₹25,000	₹25,000
Top reward rate	10X points	5%	2 RP/₹150
Net annual value (moderate spend)	₹690/yr	₹7,830/yr	₹590/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/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	ICICI BankGold ICICI Amazon Pay Credit Card •••• •••• •••• 4242 Quick facts ICICI Amazon Pay Credit Card Top reward5% Annual feeLifetime Free Min income₹25,000/mo Tap to flip back ICICI Amazon Pay Credit Card ICICI Bank	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank
Annual fee	₹500	₹0	₹0
Min income	₹20,000	₹25,000	₹25,000
Top reward rate	10X points	5%	2 RP/₹150
Net value (moderate)	₹690/yr	₹7,830/yr	₹590/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →ICICI Amazon Pay Credit Card details →Kotak League Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons