Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs ICICI Bank MakeMyTrip Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, ICICI Bank MakeMyTrip Credit Card, Kotak White 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, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹3,210/yr.
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹999 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹20,000/mo | ₹35,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹3,900/yr | ₹80/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10X points | 10X reward points | 2X reward points |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | ₹1,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
- 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?
- 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 MoneyBack+ Credit Card
HDFC Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
Kotak White Credit Card
Kotak Mahindra Bank
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 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 | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹999 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹20,000/mo | ₹35,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹3,900/yr | ₹80/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10X points | 10X reward points | 2X reward points |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | ₹1,500 | — |
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https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-icici-makemytrip-vs-kotak-whiteMore HDFC MoneyBack+ Credit Card comparisons
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