HDFC Superia Card vs HDFC Bank Visa Signature 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: 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

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

• 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