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?

SBI Cashback Credit Card leads with an estimated ₹5,520/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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, SBI Cashback Credit Card — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 2

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature	HDFC MoneyBack+ Credit Card HDFC Bank	SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹500	₹999
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹130/yr	₹5,520/yr
Online shopping	₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Top reward rate	10X points	5%
Primary reward cap	₹2,500 eligible spend/mo	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	₹500	—

Stack mode (hold both)

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

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads HDFC MoneyBack+ Credit Card by about ₹5,390/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 MoneyBack+ Credit Card vs SBI Cashback Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹500	₹999
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹130/yr	₹5,520/yr
Online shopping	₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Top reward rate	10X points	5%
Primary reward cap	₹2,500 eligible spend/mo	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	₹500	—

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?: SBI Cashback Credit Card leads with an estimated ₹5,520/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More HDFC MoneyBack+ Credit Card comparisons