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Side-by-Side Comparison|Updated March 2026

Pharmeasy HDFC Bank Credit 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.

HDFC Bank

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
NetworkVisa
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HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePharmeasy HDFC Bank Credit CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹70,000₹50,000
Base Reward Rate0.04%0.33333333333333337%
Reward CurrencyReward PointsCashPoints
NetworkVisaVisa
Editor Rating6.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

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

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

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

HDFC Bank MoneyBack+ Credit Card 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 Pharmeasy HDFC Bank Credit Card if

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

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: Pharmeasy HDFC Bank Credit Card or HDFC Bank MoneyBack+ Credit Card?
HDFC Bank MoneyBack+ Credit Card 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 Pharmeasy HDFC Bank Credit Card and HDFC Bank MoneyBack+ Credit Card?
Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Pharmeasy HDFC Bank Credit Card or HDFC Bank MoneyBack+ Credit Card?
Pharmeasy HDFC Bank Credit Card offers a base reward rate of 0.04% with accelerated rewards on Pharmeasy. 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 Pharmeasy HDFC Bank Credit Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Pharmeasy HDFC Bank Credit Card and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Pharmeasy HDFC Bank Credit Card or HDFC Bank MoneyBack+ 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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