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Side-by-Side Comparison|Updated March 2026

HDFC Bank MoneyBack+ Credit Card vs Apollo SBI 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

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureHDFC Bank MoneyBack+ Credit CardApollo SBI Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹50,000₹1,00,000
Base Reward Rate0.33333333333333337%0.25%
Reward CurrencyCashPointsReward Points
NetworkVisaMastercard
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

Apollo SBI Card

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

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.

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

Our Verdict

Both HDFC Bank MoneyBack+ Credit Card and Apollo SBI 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 Apollo SBI Card if

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

Frequently Asked Questions

Which is better: HDFC Bank MoneyBack+ Credit Card or Apollo SBI Card?
Both HDFC Bank MoneyBack+ Credit Card and Apollo SBI 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 Apollo SBI Card?
HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500, while Apollo SBI Card has an annual fee of ₹499. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank MoneyBack+ Credit Card or Apollo SBI 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.... Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both HDFC Bank MoneyBack+ Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank MoneyBack+ Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank MoneyBack+ Credit Card or Apollo SBI 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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