Comparison between SBI Titanium Credit Card & HDFC MoneyBack Credit Card

While choosing between SBI and HDFC Bank credit cards, decision would depend on which one is offering features that you need or may need in the near future. Even though there are so many options available in front of you, here I have compared two credit cards - SBI Titanium credit card and HDFC MoneyBack credit card.

Both credit cards have their uniqueness, there is still going to be some difference. So, the purpose of comparing these two is to highlight their features and fees & charges.

Features of HDFC MoneyBack Credit Card

• Annual fees - Rs. 499 + GST.
• Earn 2 Reward Points for every purchase worth ₹150.
• Every 100 Reward Points are worth ₹30.
• Earn 100% more Reward Points for online shopping and earn twice.
• Fuel Surcharge Waiver of up to 1% on all fuel transactions above ₹ 400 with a maximum CashBack of ₹ 250 on every statement cycle.
• You can opt for a chip-enabled POS or swipe it in a regular POS which isn’t chip enabled.
• 50 days long interest-free period from the date of purchase.
• Reward Points accumulated are valid for 2 years from the date of their accumulation.

Features of SBI Tata Titanium Card

• Spend ₹2,000 in first 60 days and get 500 empower points
• 1.5% value back on spends at croma
• Up to  5% value back on spends at Tata outlets
• 3x points on departmental and grocery stores
• Spend ₹90,000 or more in a year and get your annual fee waived off
• 1 reward point per ₹100 spent on all other retail outlets
• 0% fuel surcharge waiver

• Annual Fee:₹499
• Renewable Fee:₹499

What are the documents required to apply for credit cards?

Below is the list of documents that you need to submit at the time of applying for any credit card.

• ID Proof- Copy of Passport/ Aadhaar Card/ PAN Card/ Driving License/ Voter’s ID Card
• Income Proof- Latest Income Tax Return documents/ Form 16/ Salary Slip (for those who are employed in government offices of PSUs)
• Address Proof- Copy of Passport/ Fixed Line Bill/ Electricity Bill/ UID/ Bank Passbook of a PSU bank
• Coloured Photographs
• Copy of PAN Card
• Bank Statement for the last 3 months

How can you apply for a credit card?

You can simply visit the SBI credit card online page and fill up the application procedure. The process is very simple and quick. You can simply fill in the details within a few minutes and submit the form. You need to mention your personal and professional details in the form and within a few minutes, you will be able to submit the application.

On the basis of the details on both SBI Titanium credit card and HDFC MoneyBack credit card, you will be able to identify which one do you want. Once that is decided, make sure you have all the documents as mentioned above. The process of applying for a credit card is easier if you have access to internet.