HDFC MoneyBack vs Uni Pay 1/3rd Card
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC MoneyBack wins 2 of 8 dimensions with a CardTrail Score of 6.1/10 vs 5.4/10.
| Feature | HDFC MoneyBack | Uni Pay 1/3rd Card |
|---|---|---|
| CardTrail Score | 6.1/10 | 5.4/10 |
| Annual Fee | ₹500 | Free |
| Base Reward Rate | 0.25% | 1% |
| Max Reward Rate | 2% | 1% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose HDFC MoneyBack
- You can meet the fee waiver condition: Spend ₹50,000 or more in a year before renewal date to get renewal fee waived
- You want higher rewards — up to 2% vs 1%
- Your primary spend is: cashback, beginners
When to Choose Uni Pay 1/3rd Card
- You want a lifetime free card with zero annual cost
- Your primary spend is: cashback, beginners
Annual Fee Value Analysis
To break even on HDFC MoneyBack's ₹500 fee at 0.25% rewards, spend ₹16,667/month.
Uni Pay 1/3rd Card is lifetime free — no break-even needed.