Compare HDFC Bank UPI RuPay Credit Card vs American Express PAYBACK® Credit Card

* 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

Earn multiple Points from more than 50 PAYBACK partners and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
Milestone Benefits: Avail Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakh in a Card-membership year. Earn a Flipkart voucher worth Rs 2,000 on spending Rs. 1.25 Lakh in a Card-membership year. Additionally, earn a Flipkart voucher worth Rs. 5,000 on spending Rs. 2.5 Lakh in a Card-membership year
Earn 2 PAYBACK Points for every Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. Boost the PAYBACK Points while shopping at over 50 PAYBACK partner brands
The NEW American Express PAYBACK Credit Card provides a range of other exciting offers and privileges too. Other exciting offers are available on Fuel, Dining, Limited liability for card loss, Contactless Payment

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

Pros