HSBC Cashback Credit Card vs AU Small Finance Bank Altura Credit Card

• Unlimited cashback on all your transactions
• Get 1.5% cashback on all online spends and 1% on all other spends
• 20% off on Swiggy orders above Rs. 400. (Discount up to Rs. 100, valid once per month per user)
• 5% discount on Amazon spends, 1.5% cashback on all online spend, and 1% on all other spends
• Cashback is available on Instant EMI and Convenient EMI options that allow you to pay credit card dues in EMIs such as Balance Transfer on EMI, Cash-on-EMI
• Up to a 15% discount at over 1,000 restaurants across major cities

* Avail 2% Cashback on retail spends at Grocery stores, Departmental stores and Utility bill payments. The maximum cashback per statement cycle is Rs. 50
* Avail 1% Cashback on other retail spends. The maximum cashback per statement cycle is Rs. 50
* Milestone Benefit: Earn additional cashback of Rs. 50 on completing a minimum of Rs. 10,000 retail spends in every statement cycle
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 100 per statement cycle
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Pros

• Zero Joining Fees
• Annual Membership Fees of Rs. 750 will be reversed if your total annual spend exceeds Rs. 100,000
• Insurance benefits

Cons

• No Golf/coaching sessions

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Get up to 7% Cashback as an introductory offer

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits