HSBC RuPay Cashback Credit Card vs HDFC Millennia 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)

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

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 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits