HDFC Bank Titanium Edge Credit Card vs BOB Financial Easy
Joining Fees
₹0
₹500
Editor's Rating
3.9
4.6
Key Features
- Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
- Avail 2 reward points for every Rs. 150 spends
- Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
- Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
- Earn 50% more reward points as exclusive dining privileges
- Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
- Zero liability on lost card
- With the EMV Chip technology in the card, stay protected against fraud
- Avail of 50 days of interest-free period from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card
- Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
- Avail 1 reward point for every Rs. 100 spent on other categories
- Avail 0.5% of the card bill payment as cash-back in the next statement
- Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/waiver of annual fees
- 1% fuel surcharge waived for fuel transactions between Rs. 400 - Rs. 5,000 (Max. waiver of Rs. 250 per month)
- Redeem the earned reward points as cash-back and other exciting options
- Convert purchases of more than Rs. 2,500 on the card into easy EMIs of 6/12 months
- 3 lifetime free add-on cards
- Free Personal Accidental Death Cover
- Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
- Avail 50 days of interest free credit from the date of any purchase
- Pay Minimum Amount Due and finance your spends as per your convenience
Editor's Review
Pros
- Avail 2 reward points for every Rs. 150 spends
- Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
- Earn 50% more reward points as exclusive dining privileges
Cons
- No golf benefits
- No insurance benefits
- No airport lounge access
Pros
- Easy EMI Option
- First year Fee: Spend 6,000 on the card within 60 days for fee reversal
- Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
Cons
- No golf privileges
- No airport lounge access
