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 3 of 10
Verdict
HDFC MoneyBack+ wins 6-3. 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% | 1.99% |
| 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 3). But the right answer depends on your specific spending pattern — see the calculator below.
›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.