HSBC RuPay Cashback Credit Card vs HDFC Bank Platinum Edge Credit Card

• Welcome Benefits include getting the following:

A. Avail Rs. 500 cashback when downloading and logging on to the HSBC India Mobile Banking app and spending Rs. 10,000 within 30 days of getting the card

B. Avail an RS. 250 Amazon eGift Voucher when applying online, verifying yourself by video and receiving your card

C. Get 2-months EazyDiner membership when activating your RuPay credit card

D. Also get Rs. 250 cashback when linking your card to UPI and making 2 transactions of Rs. 250 or more within 30 days of getting your card

• Annual fee gets waived if you spend more than Rs. 200,000 per year
• Save when spending abroad, with 0% FX mark-up on your transactions until 30 June 2026
• Link the credit card to UPI apps and enjoy easy direct payments with your card
• 10 airport lounge visits: Avail up to 2 complimentary domestic visits per quarter and 2 international visits per year
• Use ATMs and make payments in over 160 countries and regions around the world, powered by the JCB network
• Get 10% cashback on dining, food delivery and grocery spending
• Earn 1% cashback on all other eligible spends, including UPI transactions
• The HSBC SimplyPay app lets you pay bills and send money to family and friends, quickly and securely, wherever and whenever you want. All you need to do is link your bank account or RuPay credit card. Get Rs. 100 reward
• Enjoy exclusive discounts and offers with RuPay: Save on shopping, dinning and more with a range of offers and discounts exclusively for RuPay cardholders
• Enjoy discounts and ofers around the world with the JCB network: Access global discounts, offers and experiences with the JCB network-enabled RuPay credit card
• Enjoy discounts up to Rs. 6,000 on flights and hotels via Cleartrip
• Enjoy money off your bills with Paytm: Use promo code to get 5% off transactions of Rs. 299 or more on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills (max discount Rs. 150)

• Renew the credit card’s membership for free by spending Rs 50,000 in a year
• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
• Avail 50% more reward points at premium restaurants
• Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
• Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
• Zero liability on lost card after reporting the loss
• Avail up to 50 interest-free days from date of purchase
• Enjoy Revolving Credit at nominal interest rate
• 50 days of interest-free credit

Pros

• Up to 10% savings on food-related spends
• 10 airport lounge visits: Avail up to 2 complimentary domestic visits per quarter and 2 international visits per year
• Zero forex mark-up fee until 30 June 2026
• Discount offers on leading platforms for lifestyle-related spends

Cons

• Low capping on monthly cashback earnings
• No cashback earnings on international spends
• No Golf Benefits
• No Insurance Benefits

Pros

• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access