Check below for a comparison between HDFC Moneyback vs Bharat Credit Card or HDFC Bharat Credit Card vs HDFC MoneyBack and find which is better–
In the realm of HDFC Bank credit cards tailored for diverse spending patterns, the comparison between the HDFC Moneyback Credit Card and the HDFC Bharat Credit Card emerges as a strategic decision for individuals seeking optimized financial benefits.
The HDFC Moneyback Credit Card stands out for its straightforward cashback rewards, offering a percentage of the amount spent as cashback, particularly on everyday expenses.
On the other hand, the HDFC Bharat Credit Card caters to individuals who prioritize essential expenditures, providing benefits such as fuel surcharge waivers, discounts on utility bills, and rewards on specific retail categories.
This comprehensive analysis delves into the unique attributes of each card, empowering users to make an informed decision based on their specific spending patterns, preferences, and lifestyle choices.
Whether you prioritize instant cashback on daily transactions or seek benefits tailored to essential needs, understanding the nuanced features of these HDFC credit cards will guide you toward the one that seamlessly aligns with your financial goals and individual aspirations.
Opt for the HDFC Moneyback for versatile cashback benefits or choose the HDFC Bharat for optimized rewards on essential expenditures.
HDFC Moneyback vs Bharat Credit Card
Table of Contents
Overview of HDFC MoneyBack Credit Card
Enjoy a yearly allocation of 500 Cash points as a welcome and renewal benefit when you pay the joining or renewal fee.
Further, the option to have the renewal fee waived is available based on your annual expenditures.
This card entitles you to 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.
Redeem these points across a range of categories such as cashback, SmartBuy flight/hotel bookings, and various products/vouchers.
Additionally, you have the chance to earn gift vouchers every quarter based on your spending during that timeframe.
Overview of HDFC Bank Bharat Credit Card
The HDFC Bank Bharat Credit Card is a credit card offered by HDFC Bank, specifically designed to meet the needs of individuals residing in rural and semi-urban areas.
This credit card provides a range of features and benefits that are customized to suit the lifestyle and requirements of customers in these regions.
HDFC Moneyback vs Bharat Credit Card
| Features/Charges | HDFC Moneyback Credit Card | HDFC Bank Bharat Credit Card |
|---|---|---|
| Joining Fees | Rs 500 | Rs. 500 |
| Annual Fees | Rs 500 | Rs. 500* |
| Welcome Benefits | Getting 500 Cash Points comes as a welcome perk when you pay the membership fee. | N/A |
| Cashback / Rewards point | Earning 4 Reward Points is applicable for every Rs 150 spent online, with 2 Reward Points for all other transactions. | Earn 5% cashback on spending towards bill payments, and mobile recharge, fuel, and railway tickets booked through IRCTC. 5% cashback every month while paying through PayZapp/EasyEMI/SmartBuy using this credit card. |
| Dining benefits | Receive discounts of up to 20% on your restaurant bills using Swiggy Dineout. | N/A |
| Travel benefits | N/A | Get 5% cashback on booking railway tickets through IRCTC |
| Annual fees waiver | Spending Rs. 50,000 or more in the prior year results in the waiver of the annual fee. | Annual fee waived off on spending Rs. 20,000 in the previous year |
| Fuel surcharge waiver | All fuel transactions enjoy a waiver of the 1% fuel surcharge | 1% fuel surcharge is waived off for all fuel transactions* |
