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Side-by-Side Comparison|Updated March 2026

HDFC Bank MoneyBack+ Credit Card vs Air India SBI Signature Card

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

HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank MoneyBack+ Credit CardAir India SBI Signature Card
Annual Fee₹500₹4,999
Joining Fee₹500₹4,999
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.33333333333333337%0.25%
Reward CurrencyCashPointsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank MoneyBack+ Credit Card

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

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

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.

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

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

Choose HDFC Bank MoneyBack+ Credit Card if

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

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: HDFC Bank MoneyBack+ Credit Card or Air India SBI Signature Card?
Both HDFC Bank MoneyBack+ Credit Card and Air India SBI Signature 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 HDFC Bank MoneyBack+ Credit Card and Air India SBI Signature Card?
HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500, while Air India SBI Signature Card has an annual fee of ₹4,999. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank MoneyBack+ Credit Card or Air India SBI Signature Card?
HDFC Bank MoneyBack+ Credit Card offers a base reward rate of 0.33333333333333337% with accelerated rewards on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank MoneyBack+ Credit Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank MoneyBack+ Credit Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank MoneyBack+ Credit Card or Air India SBI Signature Card?
For beginners, HDFC Bank MoneyBack+ 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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