Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs PhonePe SBI Card PURPLE
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, PhonePe SBI Card PURPLE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Bharat Cashback Credit Card
HDFC Bank
PhonePe SBI Card PURPLE
SBI Card
Your adjusted comparison
| Feature | HDFC Bank Bharat Cashback 6521 6539 2817 4602 Valid thru 12/28 Acc CREDIT Card holder HDFC BHARAT CASHBACK C Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Bharat Cashback Credit Card Top reward: 5% cashback Annual fee: ₹500 Min income: ₹15,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | SBI Card PhonePe PURPLE 6521 1041 3255 9156 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD PURPL Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card PURPLE Top reward: 3% Annual fee: ₹499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,670/yr | ₹3,441/yr |
| Online shopping | — | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo |
| Fuel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo | — |
| Utilities & bills | — | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo |
| Top reward rate | 5% cashback | 3% |
| Primary reward cap | ₹250 rewards/mo cap | ₹750 rewards/mo cap |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Stack mode (hold both)
Cap-aware split: ~₹5,470/yr combined NAV (₹1,800 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-phonepe-sbi-purpleReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads PhonePe SBI Card PURPLE by about ₹229/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,670/yr | ₹3,441/yr |
| Online shopping | — | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo |
| Fuel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo | — |
| Utilities & bills | — | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo |
| Top reward rate | 5% cashback | 3% |
| Primary reward cap | ₹250 rewards/mo cap | ₹750 rewards/mo cap |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/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.
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