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Side-by-Side Comparison|Updated March 2026

Shaurya 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

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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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

FeatureShaurya SBI CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹250₹500
Joining Fee₹250₹500
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.0625%0.33333333333333337%
Reward CurrencyReward PointsCashPoints
NetworkRuPayVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

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

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

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 Shaurya 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 Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

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: Shaurya SBI Card or HDFC Bank MoneyBack+ Credit Card?
Both Shaurya 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 Shaurya SBI Card and HDFC Bank MoneyBack+ Credit Card?
Shaurya SBI Card has an annual fee of ₹250, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya SBI Card or HDFC Bank MoneyBack+ Credit Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. 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 Shaurya SBI Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or HDFC Bank MoneyBack+ Credit Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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