Side-by-side · honest numbers
HSBC Cashback Credit Card vs ICICI Bank MakeMyTrip Credit Card vs IndusInd Bank Pinnacle Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, ICICI Bank MakeMyTrip Credit Card, IndusInd Bank Pinnacle 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of ICICI Bank MakeMyTrip Credit Card by about ₹4,041/yr.
| Feature | HSBC Cashback Credit Card HSBC | ICICI Bank MakeMyTrip Credit Card ICICI Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹999 | ₹10,000 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹40,000/mo | ₹35,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | ₹3,900/yr | -₹7,075/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 10% | 10X reward points | 3X points/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Bank MakeMyTrip Credit Card lists a minimum monthly income of ₹35,000.
- 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.
HSBC Cashback Credit Card
HSBC
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹999 | ₹10,000 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹40,000/mo | ₹35,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | ₹3,900/yr | -₹7,075/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 10% | 10X reward points | 3X points/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | — |
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https://cardhungry.com/in/en/compare/hsbc-cashback-vs-icici-makemytrip-vs-indusind-pinnacleMore HSBC Cashback Credit Card comparisons
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