SBI Yatra vs HDFC TimesPrime

Compare SBI Yatra vs HDFC TimesPrime across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

SBI Yatra has the strongest mix of rewards and low fees in this comparison.

Card 1

SBI Yatra

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.4.4

Card 2

HDFC TimesPrime

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3

Balanced value4.4

sbi / MASTERCARD

SBI Yatra

Annual

₹999

Return

Lounges

Forex

3.5%

Card summary

SBI Yatra leans travel and lifestyle with ₹999 annual fee, 3% headline return potential, and 2 lounge access.

Pros

Strong benefit ceiling if you recover the ₹999 annual fee.
3% reward rate can outperform flat cashback for loyal users.
2 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Balanced value5.3

hdfc / VISA

HDFC TimesPrime

Annual

₹1,500

Return

Lounges

Forex

3.5%

Card summary

HDFC TimesPrime leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 4 lounge access.

Pros

Strong benefit ceiling if you recover the ₹1,500 annual fee.
3% reward rate can outperform flat cashback for loyal users.
4 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

SBI Yatra

HDFC TimesPrime

Fees

Annual fee

₹999

₹1,500

Joining fee

₹999

₹1,500

Rewards

Cashback rate

1.5%

Reward rate

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹4,00,000

₹5,00,000

SBI Yatra vs HDFC TimesPrime

Futuristic side-by-side card intelligence

SBI Yatra

HDFC TimesPrime

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