HDFC Pine Labs Pro Credit Card vs SBI Club Vistara Credit Card: mid-range cards compared
HDFC Pine Labs Pro Credit Card costs ₹1,000 a year to keep; SBI Club Vistara Credit Card costs ₹1,499. On most spends, HDFC Pine Labs Pro Credit Card returns about 1.66% and SBI Club Vistara Credit Card about 1.50%. The income needed to apply is ₹3,00,000 a year for HDFC Pine Labs Pro Credit Card and ₹2,40,000 for SBI Club Vistara Credit Card.
| HDFC Pine Labs Pro Credit Card | SBI Club Vistara Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Joining fee | ₹1,000 | ₹1,499 |
| Annual fee | ₹1,000 | ₹1,499 |
| Base return on spends | 1.66% | 1.50% |
| Domestic lounges | 8 a year | 4 a year |
| International lounges | None | Not stated |
| Minimum income | ₹3,00,000 a year | ₹2,40,000 a year |
| Best for | pine_labs_pos, smartbuy_payzapp | travel |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: HDFC Pine Labs Pro Credit Card · SBI Club Vistara Credit Card · Find a card for your spending