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 / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent
Reliance Credit 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 / ₹100 spent; Other Participating Reliance Retail Stores: 5 Reward Points / ₹100 spent; Dining & Movie Spends: 5 Reward Points / ₹100 spent
| Feature | MoneyBack+ Credit Card | Reliance Credit 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 / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent | AJIO And JioMart Online Spends: 10 Reward Points / ₹100 spent; Other Participating Reliance Retail Stores: 5 Reward Points / ₹100 spent; Dining & Movie Spends: 5 Reward Points / ₹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 ₹500 on spends of ₹50,000 per calendar quarter | Reliance Retail voucher worth ₹500 on annual spends of ₹25,000 at eligible Reliance formats, Reliance Retail voucher worth ₹750 on annual spends of ₹50,000 at eligible Reliance formats, Reliance Retail voucher worth ₹1,000 on annual spends of ₹80,000 at eligible Reliance formats |
| Redemption | SmartBuy travel: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 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 |