Which card has a lower forex fee: HDFC MoneyBack Plus Credit Card or SBI Card PULSE?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC MoneyBack Plus Credit Card or SBI Card PULSE?

HDFC MoneyBack Plus Credit Card has a lower annual fee (₹500 vs ₹1,499).

Which card offers better lounge access?

HDFC MoneyBack Plus Credit Card: No domestic lounge. SBI Card PULSE: 4/year domestic lounge.

Which card has a higher base reward rate?

SBI Card PULSE has higher base reward value (~0.5% vs ~0.33%).

Pairwise comparison Add another card →

HDFC Bank MoneyBack Plus vs SBI Card PULSE Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank MoneyBack Plus and the SBI Card PULSE. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge SBI Card PULSE

Quick comparison

Three core metrics

MoneyBack Plus HDFC Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

PULSE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

MoneyBack Plus

2 pts / ₹150 on General spend

PULSE

2 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank MoneyBack Plus: ₹500 vs SBI Card PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

MoneyBack Plus: Limited data PULSE: Limited data
Lounge access SBI Card PULSE wins

SBI Card PULSE is better for lounge access

SBI Card PULSE is stronger here. Domestic lounge access is 4/year.

MoneyBack Plus: Limited data PULSE: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only HDFC Bank MoneyBack Plus has comparable evidence here. Annual fee is ₹500.

MoneyBack Plus: Limited data PULSE: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI PULSE: ~₹250/month at base rate
MoneyBack Plus: ~₹170/month at base rate

Illustrative only, using current base rates before caps.

Field	MoneyBack Plus HDFC Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹1,499	₹500	₹1,499
Fee waiver spend Only available for SBI PULSE	Not specified	₹2,00,000
Rewards
Reward points (base spend) 2 pts/₹150 vs 2 pts/₹100	2 pts/₹150	2 pts/₹100
Point cash value	₹0.25	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.