Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs ICICI Platinum Chip vs IndusInd Bank Platinum Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, ICICI Platinum Chip, IndusInd Bank Platinum Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC MoneyBack+ Credit Card
HDFC Bank
ICICI Platinum Chip
ICICI Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | ICICI Platinum Chip ICICI Bank | IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹18,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹130/yr | -₹36/yr | ₹60/yr |
| Online shopping | ₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached | — | — |
| Top reward rate | 10X points | 1 RP/₹150 | 1 reward point/₹150 |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-icici-platinum-chip-vs-indusind-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC MoneyBack+ Credit Card ranks first for estimated net annual value — ahead of IndusInd Bank Platinum Credit Card by about ₹70/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | ICICI Platinum Chip ICICI Bank | IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹18,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹130/yr | -₹36/yr | ₹60/yr |
| Online shopping | ₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached | — | — |
| Top reward rate | 10X points | 1 RP/₹150 | 1 reward point/₹150 |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹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?
- HDFC MoneyBack+ Credit Card leads with an estimated ₹130/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.
More HDFC MoneyBack+ Credit Card comparisons
- HDFC MoneyBack+ Credit Card vs 811 Dream Different Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura+ Credit Card
- HDFC MoneyBack+ Credit Card vs AU LIT Credit Card
- HDFC MoneyBack+ Credit Card vs AU Zenith Credit Card
- HDFC MoneyBack+ Credit Card vs American Express Gold Card
- HDFC MoneyBack+ Credit Card vs American Express Platinum Travel Card
- HDFC MoneyBack+ Credit Card vs American Express SmartEarn Credit Card
- HDFC MoneyBack+ Credit Card vs Amex Membership Rewards CC
- HDFC MoneyBack+ Credit Card vs Axis Bank ACE Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Airtel Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Atlas Credit Card