HDFC Bank Visa Signature Credit Card vs ICICI Bank Manchester United Platinum Credit Card

• Annual fees: Get the first-year’s membership free by spending Rs. 15,000 within the first 90 days
• Renew the membership for free by spending Rs. 75,000 in a year
• Enjoy the comfort of over 600 global airport
• Earn 2 reward points for every Rs. 150 spends
• Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)
• Get up to three add-on cards free for your family
• With the EMV Chip technology in the card, stay protected against fraud
• Zero liability on lost card
• Avail 50 days of interest-free credit 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

* 1 complimentary domestic airport lounges access per quarter in India
* 25% discount, up to Rs. 100, on selected cinema ticket retailers
* 1% fuel surcharge, which is valid on a maximum spend of Rs. 4000 per transaction at all HPCL pumps
* Visa Lounge Access: Relax in luxury and enjoy gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs and beverage services.
* Domestic Airport Lounge Benefit: 1 complimentary airport lounge access per quarter
* Avail up to 3 Reward Points on every Rs. 100 spent on retail purchases except fuel
* Through ICICI Culinary Treats Programme avail dining benefits such as saving 15% on dining bills across more than 2,500 restaurants in India
* The annual fee gets waived off if spendings have gone more than Rs. 1,25,000 in the previous year

Pros

• Enjoy the comfort of over 600 global airport
• Earn 2 reward points for every Rs. 150 spends
• Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)

Cons

• No golf benefits
• No insurance benefits
• No cashback offers

Pros

* Welcome Benefits

* 1 complimentary domestic airport lounges access per quarter in India

* 25% discount, up to Rs. 100, on selected cinema ticket retailers

Cons

* No insurance benefits

* No golf benefits

* No international lounge access