Which card has a lower forex fee: HDFC UPI RuPay Credit Card or SBI SimplySAVE Credit Card?

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

Which card has a lower annual fee: HDFC UPI RuPay Credit Card or SBI SimplySAVE Credit Card?

HDFC UPI RuPay Credit Card has a lower annual fee (₹99 vs ₹499).

Which card offers better lounge access?

HDFC UPI RuPay Credit Card: No domestic lounge. SBI SimplySAVE Credit Card: No domestic lounge.

Which card has a higher base reward rate?

HDFC UPI RuPay Credit Card has higher base reward value (~0.25% vs ~0.17%).

Pairwise comparison Add another card →

HDFC Bank UPI RuPay vs SBI Card SimplySAVE Credit Cards – Fees, Lounge, Forex

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

Low fee HDFC Bank UPI RuPay upi HDFC Bank UPI RuPay

Quick comparison

Three core metrics

UPI RuPay HDFC Bank

Annual fee ₹99
Forex markup 3.5%
Domestic lounge No lounge access

SimplySAVE SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

UPI RuPay

3% on Dining grocery supermarket + 1% on General spend

SimplySAVE

1 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank UPI RuPay: ₹99 vs SBI Card SimplySAVE: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

UPI RuPay: Limited data SimplySAVE: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

UPI RuPay: Limited data SimplySAVE: Limited data
Annual fee HDFC Bank UPI RuPay wins

HDFC Bank UPI RuPay is better for fees

HDFC Bank UPI RuPay is stronger here. HDFC Bank UPI RuPay has a lower annual fee (₹99 vs ₹499).

UPI RuPay: Limited data SimplySAVE: Limited data
upi HDFC Bank UPI RuPay wins

HDFC Bank UPI RuPay is better for UPI usage

HDFC Bank UPI RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

UPI RuPay: ~₹130/month at base rate
SBI SimplySAVE: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	UPI RuPay HDFC Bank	SimplySAVE SBI Card
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹99 vs ₹499	₹99	₹499
Joining fee ₹99 vs ₹499	₹99	₹499
Fee waiver spend Only available for SBI SimplySAVE	Not specified	₹1,00,000
Rewards
Reward points (base spend) 1 pts/₹100 vs 1 pts/₹150	1 pts/₹100	1 pts/₹150
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.