HDFC Bank MoneyBack+ Credit Card vs SimplySAVE SBI Card
HDFC Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreGood
Annual Fee₹500
Max Reward2%
SBI CardScoreGood
Annual Fee₹499
Max Reward2.5%
Even Match: Both cards tie with an identical CardCheck Score of 64/100.
4-Pillar Head-to-Head Breakdown
HDFC vs SimplySAVEReward Power
35%HDFC24/35
SimplySAVE24/35
Tie (24/35)
Fee Value & ROI
25%HDFC24/25
SimplySAVE24/25
Tie (24/25)
Lounge & Travel
20%HDFC4/20
SimplySAVE4/20
Tie (4/20)
Forex & Access
20%HDFC12/20
SimplySAVE12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 64
- 64
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 24/35
- 24/35
- Fee Value & ROI (25%)
- 24/25
- 24/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- Online Shopping
- Shopping rewards
03—Fees
- Joining fee
- ₹500
- ₹499Best
- Annual fee
- ₹500
- ₹499Best
- Fee waiver
- ₹50,000Best
- ₹1,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 29.97%Best
- APR (max)
- 42%Best
- 60%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%Best
- 0.25%
- Max rate
- 2%
- 2.5%Best
- Points / ₹100
- —
- 0.67
- Point value
- ₹0.3
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹25,000
- —
- Min CIBIL
- 700
- —
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 64 | 64 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 24/35 | 24/35 |
| Fee Value & ROI (25%) | 24/25 | 24/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | Online Shopping | Shopping rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹500 | ₹499Best |
| Annual fee | ₹500 | ₹499Best |
| Fee waiver | ₹50,000Best | ₹1,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 29.97%Best |
| APR (max) | 42%Best | 60% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1%Best | 0.25% |
| Max rate | 2% | 2.5%Best |
| Points / ₹100 | — | 0.67 |
| Point value | ₹0.3 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹25,000 | — |
| Min CIBIL | 700 | — |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank MoneyBack+ Credit Card | SimplySAVE SBI Card |
|---|---|---|
| CardCheck Score | 64/100Good | 64/100Good |
| Annual Fee | ₹500 | ₹499 |
| Fee Waiver Spend | ₹50,000/yr | ₹1L/yr |
| Max Reward Potential | 2% | 2.5% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank MoneyBack+ Credit Card if:
Your spending centers around online shopping and you want direct partner rewards with HDFC Bank.
Choose SimplySAVE SBI Card if:
Your spending aligns with shopping rewards and you prioritize SBI Card's redemption benefits.
Frequently asked questions: HDFC Bank MoneyBack+ Credit Card vs SimplySAVE SBI Card
- Which is better: HDFC Bank MoneyBack+ Credit Card or SimplySAVE SBI Card?
- Both HDFC Bank MoneyBack+ Credit Card and SimplySAVE SBI Card tie with an identical CardCheck Score of 64/100 (Good). Your choice should depend on specific category preferences and whether you prefer HDFC Bank's or SBI Card's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank MoneyBack+ Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, SimplySAVE SBI Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between HDFC Bank MoneyBack+ Credit Card and SimplySAVE SBI Card?
- HDFC Bank MoneyBack+ Credit Card offers a base reward rate of 1% and up to 2% on accelerated partner categories. Meanwhile, SimplySAVE SBI Card offers a base rate of 0.25% and up to 2.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank MoneyBack+ Credit Card or SimplySAVE SBI Card?
- HDFC Bank MoneyBack+ Credit Card provides no complimentary airport lounge access. On the other hand, SimplySAVE SBI Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- HDFC Bank MoneyBack+ Credit Card levies a foreign currency markup fee of 3.5%, while SimplySAVE SBI Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).