On a typical ₹50,000 a month, Kotak Cashback+ Credit Card returns about ₹8,220 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹4,860. Points counted as cashback.
| Monthly card spend | HDFC Bank MoneyBack+ Credit Card | Kotak Cashback+ Credit Card |
|---|---|---|
| ₹20,000 | ₹1,302 | ₹3,120 |
| ₹50,000 | ₹3,360 | ₹8,220 |
| ₹1,20,000 | ₹7,722 | ₹13,741 |
| Spending | HDFC Bank MoneyBack+ Credit Card | Kotak Cashback+ Credit Card |
|---|---|---|
| Online shopping | ₹1,320 (2%) | ₹600 (0.5%) |
| Groceries | ₹1,056 (2%) | ₹2,640 (5%) |
| Food delivery | ₹528 (2%) | ₹2,400 (5%) |
| Dining out | ₹96 (0.2%) | ₹240 (0.5%) |
| Fuel | ₹0 (0%) | ₹1,440 (3%) |
| Bills & utilities | ₹120 (0.2%) | ₹0 (0%) |
| Travel & flights | ₹120 (0.2%) | ₹300 (0.5%) |
| UPI payments | ₹0 (0%) | ₹300 (0.5%) |
| Everything else | ₹120 (0.2%) | ₹300 (0.5%) |
| HDFC Bank MoneyBack+ Credit Card | Kotak Cashback+ Credit Card | |
|---|---|---|
| Annual fee | ₹500 | ₹750 |
| Fee waived at | ₹50,000 a year | ₹2,00,000 a year |
| Foreign markup | Not published | Not published |
HDFC Bank MoneyBack+ Credit Card · Kotak Cashback+ Credit Card · Compare on your own spending
On a typical ₹50,000 a month, Kotak Cashback+ Credit Card returns about ₹8,220 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹4,860. 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.
At ₹20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹1,302, Kotak Cashback+ Credit Card ₹3,120. At ₹50,000 a month: HDFC Bank MoneyBack+ Credit Card ₹3,360, Kotak Cashback+ Credit Card ₹8,220. At ₹1,20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹7,722, Kotak Cashback+ Credit Card ₹13,741.
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.