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Side-by-Side Comparison|Updated March 2026

Apollo SBI Card vs HDFC Bank MoneyBack+ Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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Feature-by-Feature Comparison

FeatureApollo SBI CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0.25%0.33333333333333337%
Reward CurrencyReward PointsCashPoints
NetworkMastercardVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

HDFC Bank MoneyBack+ Credit Card

  • 0.83% on Partner Merchants (Amazon, ... — 2500 pts/month
  • 0.42% on EMI Spends (Merchant Locati... — 2500 pts/month

Pros & Cons

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

HDFC Bank MoneyBack+ Credit Card

Pros

  • 10X CashPoints (3.3% value back) on major platforms like Amazon, Flipkart, and Swiggy.
  • Low annual fee of ₹500, easily waived with a modest annual spend of ₹50,000.
  • Quarterly milestone benefit of ₹500 gift voucher on spending ₹50,000.
  • RuPay variant allows for UPI payments with reward point earnings.

Cons

  • No complimentary domestic or international airport lounge access.
  • Monthly capping of 2,500 CashPoints on accelerated 10X categories limits high spenders.
  • Low base reward rate of 0.33% (2 points per ₹150) on non-partner spends.

Our Verdict

Both Apollo SBI Card and HDFC Bank MoneyBack+ Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level card.

Frequently Asked Questions

Which is better: Apollo SBI Card or HDFC Bank MoneyBack+ Credit Card?
Both Apollo SBI Card and HDFC Bank MoneyBack+ Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Apollo SBI Card and HDFC Bank MoneyBack+ Credit Card?
Apollo SBI Card has an annual fee of ₹499, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Apollo SBI Card or HDFC Bank MoneyBack+ Credit Card?
Apollo SBI Card offers a base reward rate of 0.25% with accelerated rewards on Apollo Services and Dining, Movies & Entertainment. HDFC Bank MoneyBack+ Credit Card offers 0.33333333333333337% base rewards with bonuses on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... The better choice depends on your primary spending categories.
Can I have both Apollo SBI Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Apollo SBI Card and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Apollo SBI Card or HDFC Bank MoneyBack+ Credit Card?
For beginners, Apollo SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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