Vyaya
Side-by-Side Comparison|Updated March 2026

Shaurya 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

Shaurya SBI Card

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

HDFC Bank

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureShaurya SBI CardPharmeasy HDFC Bank Credit Card
Annual Fee₹250₹500
Joining Fee₹250₹500
Fee Waiver Spend₹50,000₹70,000
Base Reward Rate0.0625%0.04%
Reward CurrencyReward PointsReward Points
NetworkRuPayVisa
Editor Rating7.5/106.8/10
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

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 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.

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

Shaurya 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 Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

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: Shaurya SBI Card or Pharmeasy HDFC Bank Credit Card?
Shaurya 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 Shaurya SBI Card and Pharmeasy HDFC Bank Credit Card?
Shaurya SBI Card has an annual fee of ₹250, while Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Pharmeasy HDFC Bank Credit Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. 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 Shaurya SBI Card and Pharmeasy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Pharmeasy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Pharmeasy HDFC Bank 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.

Related Comparisons

Shaurya SBI Card vs Apollo SBI CardPharmeasy HDFC Bank Credit Card vs Apollo SBI Card

Explore More

Shaurya SBI Card Full ReviewPharmeasy HDFC Bank Credit Card Full ReviewAll SBI Card CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips