BOI SwaDhan Rupay Platinum vs HSBC Visa Platinum Credit Card

• SwaDhan Rupay Platinum Credit Card is issued against TDR
• The Card is valid in India, Nepal and all foreign centers across the Globe, wherever Rupay logo is displayed
• Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
• Fuel Transaction Surcharge: 1% of transaction amount 

• Nil joining and annual fees
• New customers will receive the following welcome privileges on transaction(s) of a minimum Rs. 5000 within 30 days of card issuance: Amazon voucher (worth Rs. 500)
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• 5-times (5X) rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 with a max 15,000 accelerated reward points in an anniversary year
• Up to Rs. 3,000 annual savings on fuel surcharge
• Zero-liability for lost cards
• Emergency card replacement: If the HSBC Visa Platinum Credit Card gets lost, immediately call Visa Global Assistance Services or HSBC Helpline numbers and have the card cancelled and an emergency card will be issued anywhere in the world in 3 days. The user can also opt to receive emergency cash at over 22,000 outlets globally
• Insurance benefits
• Other benefits include some regular card benefits such as cash advance, additional credit cards, global access, online convenience, 24x7 customer access through Phone Banking
• Enjoy BookMyShow Saturday offer: Buy-one-get-one-free movie tickets on Saturdays- Up to Rs. 250
• On Tata CLiQ  get 15% instant discount on selected products in Lifestyle, Electronics and Luxury Categories
• When completing the credit card application online, you can win an Amazon e-gift voucher worth Rs. 250
• The “Airport Lounge Services” Program is applicable to those who meet all requirements

Pros

• Redeem StarPoints to get free gifts, merchandise and services from BOI redemption platform. The platform of free gifts, merchandise and services includes: Airline tickets, Personalized products, Bus tickets, Movie tickets, Entertainment products, Electronic items, Family, Home, Fashion & Beauty products, Music and Sports products, and Limited-time Seasonal Rewardz, etc
• Interest free credit for up to 51 days and revolving credit at preferential rate
• EMI at POS facility available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of Bank

Cons

• No Golf Privileges 
• No Airport Lounge access 

Pros

• New customers will receive welcome privileges on transaction(s) of a minimum Rs. 5000 within 30 days of card issuance: Amazon voucher (worth Rs. 500)
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• 5-times (5X) rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 with a max 15,000 accelerated reward points in an anniversary year

Cons

• No golf/coaching sessions
• “Airport Lounge Services” Program is applicable to those who meet all requirements