HDFC Bank UPI RuPay Credit Card vs Klick RuPay 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

• Zero Joining Fees and Annual Fees
• 1% Fuel Surcharge Waiver
• 2 Rewards for every Rs. 200 non-UPI spends
• 2% cashback while you make quick and easy payments using Kiwi app
• 4 Reward Points on every Rs. 200 spent on all UPI transactions above Rs. 2,000
• Get all the benefits with the 100% virtual credit card- It is safe, secure, and make hassle-free payments with virtual credit card
• Earn reward on UPI and non-UPI spends

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:

• Lifetime Free Credit Card
• 2 Rewards for every Rs. 200 non-UPI spends
• 2% cashback while you make quick and easy payments using Kiwi app

Cons:

• No international or domestic lounge access
• No Golf Benefits
• No Movies and Entertainment, and Dining Benefits