HSBC Cashback Credit Card vs Stable Money Suryoday Bank Credit Card

HSBC Cashback Credit Card
HSBC Cashback Credit Card
HSBC Bank · Visa
3.1
₹999 / Joining Fees
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VS
Stable Money Suryoday Bank Credit Card
Stable Money Suryoday Bank Credit Card
Suryoday Small Finance Bank · Rupay
4.6
₹0 / Joining Fees
Apply Now →
Fees
HSBC Bank
Suryoday Small Finance Bank
Joining Fees
₹999
₹0
Renewal Fees
₹999
₹0
Network
Visa
Rupay
Editor's Review
3.1
4.6
Free Lounge Access
Yes
Yes
Features
HSBC Cashback Credit Card
  • 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
Stable Money Suryoday Bank Credit Card

Cashback Benefits

  • Earning: 0.5% cashback on all card spends, including UPI transactions
  • Capping: Cashback capped at Rs. 3,000 for every statement cycle

Airport Lounge Access

  • 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter

RuPay Benefits

  • RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
  • RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program

Insurance Coverage

  • Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
  • Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders

Fuel Benefit

  • Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
  • Enjoy exclusive discounts on the RuPay network

RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)

  • RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
  • RuPay Select Benefits are eligible to be redeemed only once in a year
Editor's Review
HSBC Cashback Credit Card

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

Stable Money Suryoday Bank Credit Card

Pros

  • Hassle-free cashback on all spends, including UPI transactions
  • Lifetime free card with up to 8% interest on FD
  • Up to 8 free domestic airport lounge visits every year
  • Additional lifestyle benefits for RuPay Select cardholders

Cons

  • Low value-back rate through cashback earnings
  • High FD amount requirement for RuPay Select card variant benefits
  • FD must remain until card closure

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