HDFC RuPay UPI Credit Card vs SBI Cashback Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, SBI Cashback Card comes out ahead on estimated net value — about ₹10,161/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HDFC RuPay UPI Credit Card | SBI Cashback Card Best valuePopular |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Annual fee | No annual fee | ₹999 / year |
| Welcome bonus | — | — |
| Min. income (monthly) | INR 25,000 | INR 30,000 |
| Reward type | cashback | cashback |
| Headline rate | 3% cashback | 5% cashback |
| Bonus categories | groceries, upi_spends | online, offline |
| Lounge access | No | No |
| Foreign tx fee | 3.5% | 3.5% |
| Est. net value / yr | ₹8,880 | ₹19,041 |
| Apply | Apply |
Frequently asked questions
- HDFC RuPay UPI Credit Card vs SBI Cashback Card: which is better?
- On our reference spend profile the SBI Cashback Card delivers higher estimated net value than the HDFC RuPay UPI Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between HDFC RuPay UPI Credit Card and SBI Cashback Card?
- HDFC RuPay UPI Credit Card: No annual fee. SBI Cashback Card: ₹999 / year.
- Which earns more rewards, HDFC RuPay UPI Credit Card or SBI Cashback Card?
- HDFC RuPay UPI Credit Card earns 3% cashback; SBI Cashback Card earns 5% cashback. We rank by net value after fees, not headline rate alone.