HDFC Bank MoneyBack+ Credit Card vs IDFC FIRST Hello Cashback Credit Card

On a typical ₹50,000 a month, IDFC FIRST Hello Cashback Credit Card returns about ₹10,080 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹6,720. Points counted as cashback.

Rupees back in a year, after the annual fee

Monthly card spendHDFC Bank MoneyBack+ Credit CardIDFC FIRST Hello Cashback Credit Card
₹20,000₹1,302₹3,960
₹50,000₹3,360₹10,080
₹1,20,000₹7,722₹19,740

Category by category, on ₹50,000 a month

SpendingHDFC Bank MoneyBack+ Credit CardIDFC FIRST Hello Cashback Credit Card
Online shopping₹1,320 (2%)₹3,600 (3%)
Groceries₹1,056 (2%)₹960 (1%)
Food delivery₹528 (2%)₹1,440 (3%)
Dining out₹96 (0.2%)₹480 (1%)
Fuel₹0 (0%)₹0 (0%)
Bills & utilities₹120 (0.2%)₹600 (1%)
Travel & flights₹120 (0.2%)₹1,800 (3%)
UPI payments₹0 (0%)₹600 (1%)
Everything else₹120 (0.2%)₹600 (1%)

The facts

HDFC Bank MoneyBack+ Credit CardIDFC FIRST Hello Cashback Credit Card
Annual fee₹500₹1,000
Fee waived at₹50,000 a year₹2,00,000 a year
Foreign markupNot published0%

HDFC Bank MoneyBack+ Credit Card · IDFC FIRST Hello Cashback Credit Card · Compare on your own spending

Common questions

HDFC Bank MoneyBack+ Credit Card vs IDFC FIRST Hello Cashback Credit Card: which is better?

On a typical ₹50,000 a month, IDFC FIRST Hello Cashback Credit Card returns about ₹10,080 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹6,720. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.

Does the answer change at other spending levels?

At ₹20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹1,302, IDFC FIRST Hello Cashback Credit Card ₹3,960. At ₹50,000 a month: HDFC Bank MoneyBack+ Credit Card ₹3,360, IDFC FIRST Hello Cashback Credit Card ₹10,080. At ₹1,20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹7,722, IDFC FIRST Hello Cashback Credit Card ₹19,740.

Where do these numbers come from?

Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.