Which card has the lower annual fee?

HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.

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 Bharat Cashback Credit Card vs HDFC MoneyBack+ Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, HDFC MoneyBack+ Credit Card, SBI SimplyCLICK — 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 Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹3,649/yr.

HDFC Bharat Cashback Credit Card vs HDFC MoneyBack+ Credit Card vs SBI SimplyCLICK comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	HDFC MoneyBack+ Credit Card HDFC Bank	SBI SimplyCLICK SBI Card
Annual fee	₹0	₹500	₹499
Min income (monthly)	₹15,000	₹20,000	₹20,000
Top reward rate	5% cashback	10X points	10X points
Net annual value (moderate spend)	₹5,430/yr	₹690/yr	₹1,781/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹500	₹500

Frequently asked questions

Which card has the lower annual fee?: HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
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.

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Your adjusted comparison

Feature	HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC 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	SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Annual fee	₹0	₹500	₹499
Min income	₹15,000	₹20,000	₹20,000
Top reward rate	5% cashback	10X points	10X points
Net value (moderate)	₹5,430/yr	₹690/yr	₹1,781/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹500	₹500

HDFC Bharat Cashback Credit Card details →HDFC MoneyBack+ Credit Card details →SBI SimplyCLICK details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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