Side-by-side · honest numbers
Bajaj Finserv DBS Bank SuperCard vs HDFC MoneyBack+ Credit Card vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, HDFC MoneyBack+ Credit Card, ICICI Sapphiro 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, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹2,866/yr.
| Feature | Bajaj Finserv DBS Bank SuperCard DBS Bank | HDFC MoneyBack+ Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹500 | ₹3,500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | ₹690/yr | ₹3,556/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — |
| Top reward rate | 2X reward points | 10X points | 4 RP/₹100 |
| Primary reward cap | No monthly cap published | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹4,000 |
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?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/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.
Bajaj Finserv DBS Bank SuperCard
DBS Bank
HDFC MoneyBack+ Credit Card
HDFC Bank
ICICI Sapphiro Credit Card
ICICI Bank
Your adjusted comparison
| Feature | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank | 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 | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹500 | ₹3,500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | ₹690/yr | ₹3,556/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — |
| Top reward rate | 2X reward points | 10X points | 4 RP/₹100 |
| Primary reward cap | No monthly cap published | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹4,000 |
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https://cardhungry.com/in/en/compare/bajaj-dbs-supercard-vs-hdfc-moneyback-plus-vs-icici-sapphiroMore Bajaj Finserv DBS Bank SuperCard comparisons
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