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


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