HSBC Cashback Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹999

₹500

Editor's Rating

3.1

3.3

Key Features

  • 10% cashback on all dining, food delivery and grocery spends
  • 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)
  • Amazon vouchers worth Rs. 1000 on spending Rs. 10,000 within 30 days of issuance, 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
  • On Fuel expenses, enjoy savings with 5% monthly cashback.
  • Get 5% monthly cashback by booking tickets through IRCTC
  • On Groceries spends, enjoy savings with 5% monthly cashback, and enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge through Bharat Credit Card
  • Enjoy Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600/- by just using HDFC Bank Bharat credit card

Editor's Review

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

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access


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