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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI 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.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureDelhi Metro SBI CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0.25%0.33333333333333337%
Reward CurrencyReward PointsCashPoints
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

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

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

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

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

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

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: Delhi Metro SBI Card or HDFC Bank MoneyBack+ Credit Card?
Both Delhi Metro SBI Card and HDFC Bank MoneyBack+ 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 Delhi Metro SBI Card and HDFC Bank MoneyBack+ Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or HDFC Bank MoneyBack+ Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. 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 Delhi Metro SBI Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or HDFC Bank MoneyBack+ Credit Card?
For beginners, Delhi Metro 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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