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| Feature | HDFC Bank HDFC Bank PIXEL Go Credit Card | BOBCARD BOBCARD Cashback Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | BOBCARD |
| Network | Visa + RuPay | Mastercard |
| Annual fee | ₹250 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹50,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | SmartBuy CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month · Ordinary CashPoints: ₹15,000/month | Incremental online cashback: ₹1,500/statement cycle |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Approx. ₹25,000/month salaried · ₹30,000/month self-employed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Digital-first users seeking a low-fee HDFC card with optional RuPay UPI support. | Online shoppers who can meet the four-transaction condition and want automatic statement cashback. |
| Main trade-off | SmartBuy and UPI each have separate ₹500 monthly caps; ordinary cashback has a ₹15,000 monthly ceiling. Transactions below ₹100 and multiple regulated categories earn nothing. | The 5% online rate unlocks only after four eligible transactions in the statement cycle and excludes transactions below ₹100. This is a Mastercard, so it does not support RuPay credit-card UPI. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
