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HDFC MoneyBack+ Credit Card vs ICICI Sapphiro Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, ICICI Sapphiro 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

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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 Sapphiro Credit Card

ICICI Bank

Your adjusted comparison

Feature
HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

ICICI Sapphiro Credit Card

ICICI Sapphiro Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹500₹3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹75,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr-₹1,862/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
Top reward rate10X points4 RP/₹100
Primary reward cap₹2,500 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus₹500₹4,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC MoneyBack+ Credit Card leads ICICI Sapphiro Credit Card by about ₹1,992/yr in estimated net value.

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

HDFC MoneyBack+ Credit Card vs ICICI Sapphiro Credit Card comparison table
FeatureHDFC MoneyBack+ Credit Card

HDFC Bank

ICICI Sapphiro Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹500₹3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹75,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr-₹1,862/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
Top reward rate10X points4 RP/₹100
Primary reward cap₹2,500 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneDomestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus₹500₹4,000

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?
HDFC MoneyBack+ Credit Card leads with an estimated ₹130/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.

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