AU Small Finance Bank Vetta Credit Card vs HSBC RuPay Platinum Credit Card
* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
- 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
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
Cons
* No golf privileges
* No Airmiles
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
