HSBC Cashback Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹999

₹500

Editor's Rating

3.1

3.3

Key Features

  • Make transactions of a minimum of Rs. 10000 within first 30 days to avail Amazon vouchers (worth Rs. 1000)
  • Win an Amazon e-gift voucher- Complete the online credit card application and Video KYC to win Amazon e-gift voucher (worth Rs. 250)
  • Annual membership fees Rs. 999 (will be reversed if total annual spend exceeds Rs. 200,000
  • 10% accelerated cashback on all dining, food delivery and grocery spends
  • 1.5% unlimited cashback on all other spends (exclusions apply)
  • 4 complimentary domestic lounge visits per year (1 per quarter)
  • Buy-one-get-one-free movie tickets on Saturdays (Up to Rs 250)
  • Zero liability for lost cards
  • Insurance benefits
  • Get 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

Editor's Review

Pros

* Win an Amazon e-gift voucher

* Buy-one-get-one-free movie tickets on Saturdays

* Insurance benefits 


Cons

* No golf/coaching sessions

* No fuel benefits

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
  • No Golf benefits


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