HDFC Bank UPI RuPay Credit Card vs SBI Cashback credit card
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards
- Get 5% Cashback on online spends without any merchant restriction
- Get 1% Cashback on offline spends
- The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
- The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
- Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
- CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
- Use the card to make payments at any outlet that accepts VISA
- Withdraw cash from over 1 million VISA across the globe
- Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
- Save money while paying credit card dues
- Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs
Pros
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends
Cons
* No Golf benefits
* No airport lounge access
* No fuel benefits
Pros
- 5% cashback on online spends
- 1% Fuel Surcharge Waiver across all petrol pumps in India
- Great for high spending on online merchants
Cons
- No golf benefits
- No complimentary airport lounge access
- Cashback card is not eligible for instant discount during online sales
