HDFC Bank MoneyBack+ Credit Card vs Cashback SBI Card

On a typical ₹50,000 a month, Cashback SBI Card returns about ₹13,440 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹10,080. Points counted as cashback.

Rupees back in a year, after the annual fee

Monthly card spend	HDFC Bank MoneyBack+ Credit Card	Cashback SBI Card
₹20,000	₹1,302	₹4,281
₹50,000	₹3,360	₹13,440
₹1,20,000	₹7,722	₹28,860

Category by category, on ₹50,000 a month

Spending	HDFC Bank MoneyBack+ Credit Card	Cashback SBI Card
Online shopping	₹1,320 (2%)	₹6,000 (5%)
Groceries	₹1,056 (2%)	₹960 (1%)
Food delivery	₹528 (2%)	₹2,400 (5%)
Dining out	₹96 (0.2%)	₹480 (1%)
Fuel	₹0 (0%)	₹0 (0%)
Bills & utilities	₹120 (0.2%)	₹0 (0%)
Travel & flights	₹120 (0.2%)	₹3,000 (5%)
UPI payments	₹0 (0%)	₹0 (0%)
Everything else	₹120 (0.2%)	₹600 (1%)

The facts

	HDFC Bank MoneyBack+ Credit Card	Cashback SBI Card
Annual fee	₹500	₹999
Fee waived at	₹50,000 a year	₹2,00,000 a year
Foreign markup	Not published	1.99%

HDFC Bank MoneyBack+ Credit Card · Cashback SBI Card · Compare on your own spending

Common questions

HDFC Bank MoneyBack+ Credit Card vs Cashback SBI Card: which is better?

On a typical ₹50,000 a month, Cashback SBI Card returns about ₹13,440 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹10,080. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.

Does the answer change at other spending levels?

At ₹20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹1,302, Cashback SBI Card ₹4,281. At ₹50,000 a month: HDFC Bank MoneyBack+ Credit Card ₹3,360, Cashback SBI Card ₹13,440. At ₹1,20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹7,722, Cashback SBI Card ₹28,860.

Where do these numbers come from?

Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.