Head-to-head · 🇮🇳 India
HDFC MoneyBack+ vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 2 of 10
Verdict
HDFC MoneyBack+ wins 6-2. Entry-level cashback with very low waiver bar. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | HDFC MoneyBack+ | SBI Aurum |
|---|---|---|
| Annual fee | ₹500 | · ₹9,999 |
| Joining fee | ₹500 | · ₹9,999 |
| Top reward rate | 5% (shopping) | · 4% (general) |
| Base reward rate | · 2% | 4% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | = 500 CashPoints on first transaction | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹50,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹240,000 | · ₹3,500,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4.1/5 | 4.6/5 |
Benefits compared
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›HDFC MoneyBack+ vs SBI Aurum: which is better?
HDFC MoneyBack+ wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC MoneyBack+ for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC MoneyBack+: 500 CashPoints on first transaction. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.