Which card has the lower annual fee?

Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.

Which card has the lower income requirement?

OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.

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 Kotak League Platinum vs OneCard Metal Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, Kotak League Platinum, OneCard Metal 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹3,270/yr.

HDFC MoneyBack+ Credit Card vs Kotak League Platinum vs OneCard Metal Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	Kotak League Platinum Kotak Mahindra Bank	OneCard Metal Credit Card OneCard (BOB/FPL)
Annual fee	₹500	₹0	₹0
Min income (monthly)	₹20,000	₹25,000	₹15,000
Top reward rate	10X points	2 RP/₹150	1% cashback
Net annual value (moderate spend)	₹690/yr	₹590/yr	₹3,960/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	—

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
Which card has the lower income requirement?: OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
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	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank	OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL)
Annual fee	₹500	₹0	₹0
Min income	₹20,000	₹25,000	₹15,000
Top reward rate	10X points	2 RP/₹150	1% cashback
Net value (moderate)	₹690/yr	₹590/yr	₹3,960/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →Kotak League Platinum details →OneCard Metal Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons