Citi Rewards Credit Card vs HSBC Visa Platinum Credit Card

Joining Fees

₹1,000

₹0

Editor's Rating

4.1

4.3

Key Features

  • Earn minimum 1 reward point for every 125 on all purchases
  • Gain 10X reward points at online, physical department, and apparel stores
  • Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
  • You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
  • Instant Loans
  • Nil joining and annual fees
  • As welcome offer, when applying for the credit card online and verifying yourself, obtain an Amazon e-gift voucher worth Rs. 250. Spend at least Rs. 5,000 in the first 30 days and win Amazon vouchers worth Rs. 500 (Introductory offers are valid from 1 Jan 2024 till 30 June 2024)
  • Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
  • Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
  • Avail 2 Reward points for every Rs. 150 spends
  • Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
  • Zero liability for lost cards- Get insurance coverage for any misuse of the card from 24 hours before reporting it lost, up to Rs. 300,000
  • Transfer outstanding balances from other bank credit cards to HSBC credit card and repay in easy monthly installments at a lower interest rate
  • Get exclusive access to discounts with selected partners
  • If the credit card gets lost, simply cancel it and the bank will issue an emergency card anywhere in the world – it'll only take 3 days
  • Cardholder can also be able to take out cash advances, get global access to its accounts, and manage its money on-the-go with 24/7 online access to its account

Editor's Review

Pros

  • Get rewarded every time you shop
  • Redeem Miles instantly via SMS against purchases at leading brands
  • Turn big purchases into small payments

Cons

  • No Golf/coaching sessions
  • No complimentary Airport Lounge access

Pros

  • Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
  • Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
  • Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year

Cons

  • No Airport Lounge access
  • No Golf benefits


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