HDFC Bank Platinum Edge Credit Card vs HDFC Bank UPI RuPay Credit Card

• Renew the credit card’s membership for free by spending Rs 50,000 in a year
• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
• Avail 50% more reward points at premium restaurants
• Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
• Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
• Zero liability on lost card after reporting the loss
• Avail up to 50 interest-free days from date of purchase
• Enjoy Revolving Credit at nominal interest rate
• 50 days of interest-free credit

* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards

Pros

• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access

Pros

* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends

Cons

* No Golf benefits
* No airport lounge access
* No fuel benefits