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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs Pharmeasy HDFC Bank 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

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTPharmeasy HDFC Bank Credit Card
Annual Fee₹1,499₹500
Joining Fee₹1,499₹500
Fee Waiver Spend₹2,00,000₹70,000
Base Reward Rate0.25%0.04%
Reward CurrencyReward PointReward Points
NetworkVisaVisa
Editor Rating7.5/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 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).

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner spends

Our Verdict

Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Fabindia SBI Card SELECT if

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

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or Pharmeasy HDFC Bank Credit Card?
Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and Pharmeasy HDFC Bank Credit Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or Pharmeasy HDFC Bank Credit Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. Pharmeasy HDFC Bank Credit Card offers 0.04% base rewards with bonuses on Pharmeasy. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and Pharmeasy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and Pharmeasy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or Pharmeasy HDFC Bank Credit Card?
For beginners, Pharmeasy HDFC Bank 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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