HSBC Cashback Credit Card vs RBL Bank Monthly Treats 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

* On crossing spends of Rs. 3,000 in a calendar year, monthly fee of Rs. 50 waived off and get 10% cashback, up to Rs. 100 per month, on grocery transactions for rest of the month
* Enjoy 2X Reward Points on online purchases
* Unlock 10% cashback on groceries, BookMyShow, Swiggy and Bill Payments every month
* Get 1 Reward Point for every Rs. 100 spent on all offline purchases except fuel
* Fuel surcharge waiver across all fuel stations. This is Valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 100 per month

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
* Monthly Spend Milestone Benefit
* Fuel surcharge waiver
* Monthly fee waived

Cons
* One can’t enjoy the cashback if it’s unable to spend Rs.3000 to Rs.5000 in a month
* Below average rewards rate
* No travel benefits such as airport lounge access or any flight discounts