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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI Card 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

Delhi Metro SBI Card

7.2/10
Annual Fee₹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

FeatureDelhi Metro SBI CardPharmeasy HDFC Bank Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹70,000
Base Reward Rate0.25%0.04%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating7.2/106.8/10
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

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 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.

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

Delhi Metro SBI 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 Delhi Metro SBI Card if

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

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: Delhi Metro SBI Card or Pharmeasy HDFC Bank Credit Card?
Delhi Metro SBI 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 Delhi Metro SBI Card and Pharmeasy HDFC Bank Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or Pharmeasy HDFC Bank Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. 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 Delhi Metro SBI Card and Pharmeasy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and Pharmeasy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or Pharmeasy HDFC Bank 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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