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HDFC MoneyBack+ Credit Card vs IDFC FIRST Select Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC FIRST Select 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

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature
HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹1,381/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
Top reward rate10X points3X reward points
Primary reward cap₹2,500 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNone2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent
Bonuses
Signup bonus₹500—

Stack mode (hold both)

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

HDFC MoneyBack+ Credit Card details →IDFC FIRST Select Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST Select Credit Card leads HDFC MoneyBack+ Credit Card by about ₹1,251/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 IDFC FIRST Select Credit Card comparison table
FeatureHDFC MoneyBack+ Credit Card

HDFC Bank

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹1,381/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
Top reward rate10X points3X reward points
Primary reward cap₹2,500 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNone2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
IDFC FIRST Select Credit Card leads with an estimated ₹1,381/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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