HDFC Bank Platinum Edge Credit Card vs HDFC Bharat 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

• Get 5% monthly cashback by booking tickets through IRCTC
• On Fuel expenses, enjoy savings with 5% monthly cashback
• Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• On Groceries spends, enjoy savings with 5% monthly cashback
• Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase
• Get Revolving Credit at Nominal interest rate
• Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

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

• Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase

Cons

• No Lounge Access
• No Golf benefits