HSBC Visa Platinum Credit Card vs Axis Bank Reserve Credit Card

• Nil joining and annual fees
• As welcome offer, when applying for the credit card online and verifying yourself, obtain an Amazon e-gift voucher worth Rs. 250. Spend at least Rs. 5,000 in the first 30 days and win Amazon vouchers worth Rs. 500 (Introductory offers are valid from 1 Jan 2024 till 30 June 2024)
• Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
• Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
• Avail 2 Reward points for every Rs. 150 spends
• Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
• Zero liability for lost cards- Get insurance coverage for any misuse of the card from 24 hours before reporting it lost, up to Rs. 300,000
• Transfer outstanding balances from other bank credit cards to HSBC credit card and repay in easy monthly installments at a lower interest rate
• Get exclusive access to discounts with selected partners
• If the credit card gets lost, simply cancel it and the bank will issue an emergency card anywhere in the world – it'll only take 3 days
• Cardholder can also be able to take out cash advances, get global access to its accounts, and manage its money on-the-go with 24/7 online access to its account

• Upon joining Axis Bank Reserve Credit Card, avail 50000 reward points on card activation and renewal
• 15 edge reward points for every Rs.200 spent
• 2X rewards on international spends
• Annual fee will be waived off on spending Rs.25 lakh in the preceding year
• Reduced markup of 1.5% on international transactions
• No cash withdrawal charges
• Fuel surcharge waiver: 1% for transactions between Rs.400 to Rs.4000 (Capped at Rs.400 per month)
• Reduced APR of 2.5% on extended credit
• Counterfeit/lost card liability up to credit limit
• Purchase protection: Rs.2 Lakhs
• Loss/Delay in baggage & Personal Documents: 500 USD
• Credit shield: Rs.5 Lakhs
• Air accident cover: Rs.450 Lakhs
• Complimentary airport concierge services: Get 8 complimentary VIP Assistance Services for a hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services
• Complimentary luxury airport transfers: Get 4 complimentary chauffeured luxury airport pick-ups/drops every year
• Complimentary Priority Pass membership with unlimited visits: Cherish the benefit of unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests
• Avail unlimited complimentary domestic lounge visits for both the primary and add-on card holders. 12 complimentary guest visits in a year for accompanying guests
• Club ITC Culinaire Membership: Complimentary third night stay, 50% savings on published room tariff for suites on weekends, 25% Green Points on Food & Beverage spends, and Bouquet of 10 certificates and more
• Accorplus membership: Get 1 night complimentary stay across Asia Pacific region, complimentary room upgrade, 50% off on dining, and complimentary lunch buffet for 2 across Accor hotels in India
• Handcrafted Club Marriott Asia Pacific membership: Avail 20% off on food and beverage and 20% off on best available rates at participating Marriott hotels in India and on Weekend rates in the Asia Pacific
• Exclusive offers at Oberoi Hotels and Resorts: Get 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites
• 20% savings at Postcard hotels: Avail 20% off on best available room rate, anytime check-in and check out, and a complimentary lifestyle consultation (applicable at our hotels in Goa)
• Complimentary golf rounds: 50 Complimentary golf rounds every year across best golf courses in India
• Complimentary EazyDiner Prime membership: Savings of up to 25% across premium restaurants
• Buy 1 and Get 1 complimentary on BookMyShow: Buy 1 movie ticket and get up to Rs.500 off on the second ticket for a maximum of 5 times a month. And buy 1 non-movie ticket and get up to Rs.1000 off on the second ticket for a maximum of 5 times a month
• Dining delights: A dining proposition on Axis Bank cards which provides up to 20% discount at over 4,000 restaurants across India
• Handpicked experiences at extraordinaryweekends.com: Curated experiences such as sailing, golf, chef for a day, unique tours, etc
• Concessions on health and wellness coaching at Weljii: 1st complimentary information session and 25% savings on all health and wellness coaching plans
• Second medical opinion with world-class medical specialists: Referral-based service for second medical opinion with world-class specialists at reputed international hospitals
• Diagnoses at leading medical institutions: Exclusive savings on healthcare packages and pathology tests at Dr. Lal Pathlabs, Metropolis and SRL Diagnostics
• Global travel and medical assistance for international travel

Pros

• Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
• Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
• Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year

Cons

• No Airport Lounge access
• No Golf benefits

Pros

• Fuel Surcharge Waiver
• Handcrafted Club Marriott Asia Pacific Membership
• Exclusive offers at Oberoi Hotels and Resorts

Cons

• High Joining and Annual Fees