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 Sapphiro Credit Card leads with an estimated ₹3,556/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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs ICICI Platinum Chip vs ICICI Sapphiro Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, ICICI Platinum Chip, ICICI Sapphiro 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 Sapphiro Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹2,866/yr.

HDFC MoneyBack+ Credit Card vs ICICI Platinum Chip vs ICICI Sapphiro Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	ICICI Platinum Chip ICICI Bank	ICICI Sapphiro Credit Card ICICI Bank
Annual fee	₹500	₹0	₹3,500
Min income (monthly)	₹20,000	₹18,000	₹75,000
Top reward rate	10X points	1 RP/₹150	4 RP/₹100
Net annual value (moderate spend)	₹690/yr	-₹142/yr	₹3,556/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	₹4,000

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 Sapphiro Credit Card leads with an estimated ₹3,556/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.

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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 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	ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank
Annual fee	₹500	₹0	₹3,500
Min income	₹20,000	₹18,000	₹75,000
Top reward rate	10X points	1 RP/₹150	4 RP/₹100
Net value (moderate)	₹690/yr	-₹142/yr	₹3,556/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	₹4,000

HDFC MoneyBack+ Credit Card details →ICICI Platinum Chip details →ICICI Sapphiro Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons