HDFC Superia Card vs HDFC Bank Titanium Edge Credit Card

• Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc. and save up to Rs. 8000 a year. Redeem points for miles with over twenty international airlines through KrisFlyer, Singapore Airline's frequent flyer programme  
• Enjoy gaining 50% more reward points at premium restaurants        
• Gain Three reward points for every Rs. 150 spent and exchange them for miles (at 0.7 miles for every point) or gifts from an exclusive reward catalogue. These Reward points are valid for two years.
• Complimentary Priority Pass Membership.
• On fuel transactions, you'll avail 1% Fuel Surcharge waiver ( Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle)
• Stay protected against unauthorised use while shopping with the EMV Chip Card technology
• Zero liability on the lost card after reporting the loss
• Get up to 50 interest-free days from date of purchase (subject to the submission of charge by the merchant). Enjoy Revolving Credit at a nominal interest rate
• First year's membership free if you spend Rs. 15,000 within the first 90 days
• Renew the membership for free by spending Rs. 75,000 in a year

• 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

Pros

• Complimentary Priority Pass Membership.
• Avail zero liability on the lost card after reporting the loss
• Get first year's membership for free by spending Rs. 15,000 within the first 90 days

Cons

• High-interest rate
• No golf privileges

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