HDFC Bank MoneyBack+ Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
household spends, shopping, entry level rewards
Top rewards
Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / Rs 200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / Rs 200 spent; Other retail spends: 2 CashPoints / Rs 200 spent
Reliance SBI Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
reliance, shopping, jiomart, ajio, dining
Top rewards
AJIO and JioMart online spends: 10 Reward Points / Rs 100 spent; Other participating Reliance Retail stores: 5 Reward Points / Rs 100 spent; Dining & movie spends: 5 Reward Points / Rs 100 spent
| Feature | HDFC Bank MoneyBack+ Credit Card | Reliance SBI Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa, Mastercard, RuPay | Mastercard, RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,00,000 |
| Reward type | CashPoints | reward points |
| Best for | household spends, shopping, entry level rewards | reliance, shopping, jiomart, ajio, dining |
| Top reward categories | Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / Rs 200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / Rs 200 spent; Other retail spends: 2 CashPoints / Rs 200 spent | AJIO and JioMart online spends: 10 Reward Points / Rs 100 spent; Other participating Reliance Retail stores: 5 Reward Points / Rs 100 spent; Dining & movie spends: 5 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Gift voucher worth Rs 500 on spends of Rs 50,000 per calendar quarter | Reliance Retail voucher worth Rs 500 on annual spends of Rs 25,000 at eligible Reliance formats, Reliance Retail voucher worth Rs 750 on annual spends of Rs 50,000 at eligible Reliance formats, Reliance Retail voucher worth Rs 1,000 on annual spends of Rs 80,000 at eligible Reliance formats |
| Redemption | SmartBuy travel: upto Rs 0.25 per point; Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel spends, Rental payments, Government transactions, Insurance spends, Wallet loading transactions, EMI transactions | fuel spends, cash advances, balance transfers, wallet loading transactions, rent payments, digital gaming transactions |