Marriott Bonvoy HDFC Bank Credit Card vs SBI Cashback Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
It's a tie — 4 categories each
Both cards are closely matched. Your choice should come down to which specific benefits matter most for your spending pattern.
Head-to-head comparison
Overview
Expert Score
85/100
88/100
Bank
HDFC Bank
SBI Card
Network
Visa
Visa
Reward Rate
5.3%
5%
Fees & Charges
Joining Fee
₹3,000
₹999
Annual Fee
₹3,000
₹999
Forex Markup
3.5%
3.5%
Finance Charges
3.75% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
5%
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick Marriott Bonvoy HDFC Bank Credit Card if…
- You want better domestic lounge
- You want better international lounge
- You want better golf
- You want better insurance
Pick SBI Cashback Credit Card if…
- You want better expert score
- You want better joining fee
- You want better annual fee
- You want better fuel waiver
Frequently asked questions
Which has a better expert score, Marriott Bonvoy HDFC Bank Credit Card or SBI Cashback Credit Card?+
SBI Cashback Credit Card scores higher at 88/100, compared to 85/100 for the other.
Which card has lower fees?+
Marriott Bonvoy HDFC Bank Credit Card costs ₹3,000 to join and ₹3,000 annually. SBI Cashback Credit Card costs ₹999 to join and ₹999 annually.
Which card should I pick?+
These cards are evenly matched in our scoring. Pick the one whose specific benefits (lounge, dining, fuel, travel) line up best with how you spend.