Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs IndusInd Bank Platinum Credit Card vs SBI Card MILES
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IndusInd Bank Platinum Credit Card, SBI Card MILES — 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 Card MILES ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹2,600/yr.
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | IndusInd Bank Platinum Credit Card IndusInd Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹1,499 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | -₹20/yr | ₹3,290/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 10X points | 1 reward point/₹150 | 6X reward points |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Card MILES leads with an estimated ₹3,290/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 Platinum Credit Card
IndusInd Bank
SBI Card MILES
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 Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹1,499 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | -₹20/yr | ₹3,290/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | — |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 10X points | 1 reward point/₹150 | 6X reward points |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-indusind-platinum-vs-sbi-card-milesMore HDFC MoneyBack+ Credit Card comparisons
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