Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs IndusInd Bank Crest Credit Card vs IndusInd Legend Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IndusInd Bank Crest Credit Card, IndusInd Legend 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, IndusInd Legend Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹144/yr.
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | IndusInd Bank Crest Credit Card IndusInd Bank | IndusInd Legend Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹5,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹80/yr | ₹834/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 10X points | 2X reward points | 1 reward point/₹100 |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IndusInd Legend Credit Card leads with an estimated ₹834/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.
HDFC MoneyBack+ Credit Card
HDFC Bank
IndusInd Bank Crest Credit Card
IndusInd Bank
IndusInd Legend Credit Card
IndusInd Bank
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 | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank | IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹5,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹80/yr | ₹834/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 10X points | 2X reward points | 1 reward point/₹100 |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-indusind-crest-vs-indusind-legendMore 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 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
- HDFC MoneyBack+ Credit Card vs Axis Bank Flipkart Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Magnus Credit Card