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?

Standard Chartered Smart Card leads with an estimated ₹3,731/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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs IDFC FIRST Select Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC FIRST Select Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of IDFC FIRST Select Credit Card by about ₹1,661/yr.

HDFC MoneyBack+ Credit Card vs IDFC FIRST Select Credit Card vs Standard Chartered Smart Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC FIRST Select Credit Card IDFC FIRST Bank	Standard Chartered Smart Card Standard Chartered
Annual fee	₹500	₹0	₹499
Min income (monthly)	₹20,000	₹30,000	₹30,000
Top reward rate	10X points	3X reward points	2% cashback
Net annual value (moderate spend)	₹690/yr	₹2,070/yr	₹3,731/yr
Secured / FD-backed	No	No	No
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?: Standard Chartered Smart Card leads with an estimated ₹3,731/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.

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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	IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹500	₹0	₹499
Min income	₹20,000	₹30,000	₹30,000
Top reward rate	10X points	3X reward points	2% cashback
Net value (moderate)	₹690/yr	₹2,070/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IDFC FIRST Select Credit Card details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons