HDFC Bank Titanium Edge Credit Card vs Tata Croma Platinum Card

• 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

• Welcome and Anniversary Gift Voucher worth Rs. 3,000 from popular brands 
• Spends linked gift vouchers worth up to Rs. 6,000
• 3X Reward Points on Departmental Stores, Dining, Grocery and International spends
• Spend at selective outlets, get up to 5% Value back

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

• Welcome Benefits 
• Airport lounge access
• Cashback on Croma and Tata outlets
• Rewards

Cons

• High-interest rate
• No concierge services
• No Golf games