AU Small Finance Bank Altura Plus Credit Card vs HSBC RuPay Platinum Credit Card

* Get 1.5% Cashback on POS retail spends at merchant outlets. The maximum cashback per statement cycle is Rs. 100. Do note that you can avail 1 Reward Point per Rs.100 retail spends (except fuel) on POS, after reaching the maximum cashback limit
* Avail 2X Reward Points (i.e. 2 Reward Points per Rs.100 retail spends) for all online transactions
* Milestone Benefit: Earn additional benefit every month by getting 500 Bonus Reward Points when you do Rs. 20,000 retail spends or more in a calendar month
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* 24/7 Concierge Services
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 150 per statement cycle
* Avail various options to redeem Reward Points for amazing benefits that include E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings, and much more. Redeem the Reward Points for FREE
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

• Welcome Benefits include getting the following:

A. Avail Rs. 500 cashback when downloading and logging on to the HSBC India Mobile Banking app and spending Rs. 5,000 within 30 days of getting the card

B. Avail an RS. 250 Amazon eGift Voucher when applying online, verifying yourself by video and receiving your card

C. Get 2-months EazyDiner membership when activating your RuPay credit card

D. Also get Rs. 250 cashback when linking your card to UPI and making 2 transactions of Rs. 250 or more within 30 days of getting your card

• Link the credit card to UPI apps and enjoy easy direct payments with your card
• Make annual savings of up to Rs. 3,000 on fuel surcharges with our credit card waiver
• Use ATMs and make payments in over 160 countries and regions around the world, powered by the JCB network
• Earn 2 Reward points for every Rs. 150 you spend with your card
• Earn up to 6X reward points on hotels, flights and car rentals on Travel with Points
• Instantly convert reward points to air miles and hotel loyalty points in the HSBC India Mobile Banking app
• The HSBC SimplyPay app lets you pay bills and send money to family and friends, quickly and securely, wherever and whenever you want. All you need to do is link your bank account or RuPay credit card. Get Rs. 100 reward
• Enjoy exclusive discounts and offers with RuPay: Save on shopping, dinning and more with a range of offers and discounts exclusively for RuPay cardholders
• Savings on dining and movies with District by Zomato: Save 10% on dining, activities and shopping, and enjoy movies on the big screen for less with buy-one-get-one cinema tickets
• Save on grocery deliveries with Swiggy Instamart: Get 10% off on orders of Rs. 500 and above (max discount Rs. 200)
• Enjoy discounts and ofers around the world with the JCB network: Access global discounts, offers and experiences with the JCB network-enabled RuPay credit card
• Enjoy discounts up to Rs. 6,000 on flights and hotels via Cleartrip
• Enjoy money off your bills with Paytm: Use promo code to get 5% off transactions of Rs. 299 or more on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills (max discount Rs. 150)

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Earn cashback and rewards points

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits

Pros

• Lifetime free credit card with zero joining and annual charges
• Rewards on UPI spends
• Multiple redemption options, including miles conversion
• Multiple benefits on card activation

Cons

• No airport lounge access
• No Golf benefits
• No Insurance benefits
• Co-branded benefits are valid for a limited period and Limited lifestyle benefits