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HDFC Bharat Cashback Credit Card vs SBI Card PRIME

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, SBI Card PRIME — 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

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature
HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card

HDFC Bank

SBI Card PRIME credit card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹500₹2,999
Fee waiver thresholdNo waiver published₹5,00,000/yr
Min income₹15,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,670/yr-₹2,339/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate5% cashback5X reward points
Primary reward cap₹250 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNone8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Bharat Cashback Credit Card details →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads SBI Card PRIME by about ₹6,009/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

HDFC Bharat Cashback Credit Card vs SBI Card PRIME comparison table
FeatureHDFC Bharat Cashback Credit Card

HDFC Bank

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹500₹2,999
Fee waiver thresholdNo waiver published₹5,00,000/yr
Min income₹15,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,670/yr-₹2,339/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate5% cashback5X reward points
Primary reward cap₹250 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNone8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

Frequently asked questions

Which card has the lower annual fee?
HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.
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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