Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplySAVE lists a minimum monthly income of ₹18,000.

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 MoneyBack+ Credit Card vs HSBC Cashback Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, HSBC Cashback Credit Card, SBI SimplySAVE — 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of SBI SimplySAVE by about ₹2,460/yr.

HDFC MoneyBack+ Credit Card vs HSBC Cashback Credit Card vs SBI SimplySAVE comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	HSBC Cashback Credit Card HSBC	SBI SimplySAVE SBI Card
Annual fee	₹500	₹999	₹499
Min income (monthly)	₹20,000	₹40,000	₹18,000
Top reward rate	10X points	10%	10 RP/₹100
Net annual value (moderate spend)	₹690/yr	₹7,941/yr	₹5,481/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI SimplySAVE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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 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	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
Annual fee	₹500	₹999	₹499
Min income	₹20,000	₹40,000	₹18,000
Top reward rate	10X points	10%	10 RP/₹100
Net value (moderate)	₹690/yr	₹7,941/yr	₹5,481/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	₹2,000

HDFC MoneyBack+ Credit Card details →HSBC Cashback Credit Card details →SBI SimplySAVE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons