Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs IndusInd Bank Crest Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IndusInd Bank Crest Credit Card, SBI Cashback 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹6,060/yr.
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | IndusInd Bank Crest Credit Card IndusInd Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹5,000 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹80/yr | ₹6,750/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 10X points | 2X reward points | 5% |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | ₹2,000 rewards/mo cap |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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?
- SBI Cashback Credit Card leads with an estimated ₹6,750/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
SBI Cashback Credit Card
SBI Card
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 | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹5,000 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | ₹80/yr | ₹6,750/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 10X points | 2X reward points | 5% |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | ₹2,000 rewards/mo cap |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-indusind-crest-vs-sbi-cashbackMore 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