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?

HDFC MoneyBack+ Credit Card leads with an estimated ₹690/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 Kotak Royale Signature Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, Kotak Royale Signature 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, HDFC MoneyBack+ Credit Card leads Kotak Royale Signature Credit Card by about ₹550/yr in estimated net value.

HDFC MoneyBack+ Credit Card vs Kotak Royale Signature Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	Kotak Royale Signature Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹999
Fee waiver threshold	No waiver published	Waived at ₹1,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹140/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—
Fuel	—	2 pts per ₹150 spend → ₹13/mo (₹160/yr)
Top reward rate	10X points	2X reward points
Primary reward cap	₹2,500 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	Limited domestic lounge visits — verify on issuer site
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet
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?: HDFC MoneyBack+ Credit Card leads with an estimated ₹690/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.

Card 1

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 2

Kotak Royale Signature Credit Card

Kotak Mahindra 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	Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹999
Fee waiver threshold	No waiver published	Waived at ₹1,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹140/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—
Fuel	—	2 pts per ₹150 spend → ₹13/mo (₹160/yr)
Top reward rate	10X points	2X reward points
Primary reward cap	₹2,500 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	Limited domestic lounge visits — verify on issuer site
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet
Bonuses
Signup bonus	₹500	—

HDFC MoneyBack+ Credit Card details →Kotak Royale Signature Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons