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Cashback SBI Card Vs. HDFC Bank MoneyBack+ Credit Card

Cashback SBI Card

Cashback SBI Card

HDFC Bank MoneyBack+ Credit Card

HDFC Bank MoneyBack+ Credit Card

Comparison of Cashback SBI Card and HDFC Bank MoneyBack+ Credit Card

Feature
Cashback SBI Card
HDFC Bank MoneyBack+ Credit Card
Annual Fee
₹999 + Applicable Taxes
₹500 + GST
Joining Fee
₹999 + Applicable Taxes
₹500 + GST
Welcome Benefits
N/A
Receive 500 CashPoints upon card activation.
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
  • •Exceptional Online Cashback
  • •Hassle-Free Auto-Credit
  • •Milestone Benefit
  • •Fuel Surcharge Waiver
  • •Accelerated CashPoints
  • •Regular CashPoints
  • •Welcome Benefit
  • •Milestone Benefits
  • •Annual Fee Waiver
Dos
  • Prioritise the card for online expenditure to consistently achieve the highest 5% cashback rate.
  • Pay the credit card bill in full and on time to avoid accruing interest and to maintain a positive credit history.
  • Track annual spending to ensure the ₹2,00,000 milestone is reached for the renewal fee reversal.
  • Utilise the Contactless feature for fast, convenient, and secure small-value transactions.
  • Opt for the Balance Transfer on EMI facility to consolidate high-interest credit card debt from other issuers.
  • Use the card for purchases at partner brands to maximise 10X CashPoints
  • Pay the full outstanding amount before the due date to avoid interest charges
  • Aim for quarterly spends of ₹50,000 to earn gift vouchers worth ₹500
  • Utilise dining benefits through Swiggy Dineout for savings at restaurants
  • Convert high-value purchases into EMIs for better financial planning
Don'ts
  • Ignore the specific categories of expenditure that are excluded from the cashback earning structure.
  • Miss the minimum payment due date, which can result in late payment charges and a negative impact on the credit score.
  • Overspend beyond the capacity to repay, as credit card debt can accrue interest quickly.
  • Share sensitive card details, such as the PIN or the full card number/CVV, with untrusted third parties.
  • Use the card for cash advances unless absolutely necessary, as these often incur higher charges and interest from the transaction date.
  • Avoid exceeding the monthly cap of 2,500 bonus CashPoints on partner brands
  • Do not miss the minimum payment to maintain a good credit score
  • Ignore the 2-year validity period of CashPoints; redeem them timely
  • Use the card for excluded categories expecting CashPoints
  • Withdraw cash using the card unless absolutely necessary due to high charges

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