Which card has the lower annual fee?

IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/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 IRCTC ICICI Bank Credit Card vs RBL Bank Icon Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IRCTC ICICI Bank Credit Card, RBL Bank Icon 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, IRCTC ICICI Bank Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹373/yr.

HDFC MoneyBack+ Credit Card vs IRCTC ICICI Bank Credit Card vs RBL Bank Icon Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IRCTC ICICI Bank Credit Card ICICI Bank	RBL Bank Icon Credit Card RBL Bank
Annual fee	₹500	₹0	₹5,000
Min income (monthly)	₹20,000	₹20,000	₹50,000
Top reward rate	10X points	10% reward points	2X points/₹150
Net annual value (moderate spend)	₹690/yr	₹1,063/yr	-₹4,803/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	—

Frequently asked questions

Which card has the lower annual fee?: IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/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	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank	RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank
Annual fee	₹500	₹0	₹5,000
Min income	₹20,000	₹20,000	₹50,000
Top reward rate	10X points	10% reward points	2X points/₹150
Net value (moderate)	₹690/yr	₹1,063/yr	-₹4,803/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IRCTC ICICI Bank Credit Card details →RBL Bank Icon Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons