Spar SBI Card SELECT vs HDFC Bank MoneyBack+ Credit Card

• On overall annual retail spends of Rs 300,000, avail 12,000 bonus Reward Points
• On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points 
• On annual spends of Rs 75,000 across all Landmark Stores, earn 8,000 bonus Reward Points
• With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
• The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home

• Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations
• Get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
• Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
• Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
• For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• You can enjoy an interest-free period of up to 50 days from the date of your purchase
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program 
• Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
• Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
• Convert your big spends into EMI after purchase
• The card is enabled for contactless payments

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome benefit of receiving 6,000 bonus reward points equivalent to Rs. 1,500 on payment of Annual Fees
• Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
• Get 2 Reward point per Rs. 100 spent on other retail purchases (Non-fuel)            

Cons 

• No Golf/coaching sessions
• Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits

Pros

• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter

Cons

• No golf benefits are provided
• No airport lounge access