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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs Paytm HDFC Bank Business Credit Card

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

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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HDFC Bank

Paytm HDFC Bank Business Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTPaytm HDFC Bank Business Credit Card
Annual Fee₹1,499₹500
Joining Fee₹1,499₹500
Fee Waiver Spend₹2,00,000₹50,000
Base Reward Rate0.25%1%
Reward CurrencyReward PointCashPoints
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

Paytm HDFC Bank Business Credit Card

  • 0% on Paytm Recharge, Utility, Mo... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

Paytm HDFC Bank Business Credit Card

Pros

  • 3% cashback on Paytm ecosystem including recharges, utilities, and movies
  • 1:1 redemption ratio (1 CashPoint = ₹1) when used for statement credit
  • Low annual fee waiver threshold of ₹50,000
  • Complimentary Paytm First Membership upon card activation

Cons

  • Monthly reward caps are relatively low (₹500 for 3% category)
  • No complimentary airport lounge access
  • Excludes rent and education spends from reward accrual

Our Verdict

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

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose Paytm HDFC Bank Business Credit Card if

Strong rewards on recurring business expenses like utility bills and recharges via Paytm.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or Paytm HDFC Bank Business Credit Card?
Both Fabindia SBI Card SELECT and Paytm HDFC Bank Business 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 Fabindia SBI Card SELECT and Paytm HDFC Bank Business Credit Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while Paytm HDFC Bank Business Credit Card has an annual fee of ₹500. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or Paytm HDFC Bank Business Credit Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. Paytm HDFC Bank Business Credit Card offers 1% base rewards with bonuses on Paytm Recharge, Utility, Mo... and Other Paytm Spends. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and Paytm HDFC Bank Business Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and Paytm HDFC Bank Business Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or Paytm HDFC Bank Business Credit Card?
For beginners, Paytm HDFC Bank Business Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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