HSBC Visa Platinum Credit Card vs Axis Bank Rewards Credit Card

Joining Fees

₹0

₹1,000

Editor's Rating

4.3

4.5

Key Features

  • 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
  • On every Rs. 125 spends, gain unlimited 2 EDGE REWARD points
  • Avail 10X reward points on every Rs. 125 spent on apparel and departmental stores
  • Receive accelerated points for spends up to Rs. 7000 per month on specific categories
  • Membership Benefits: Gain a bouquet of memberships up to Rs. 1,000 every anniversary year
  • Milestone Benefits: Avail 1,500 EDGE REWARD points on net spends of Rs. 30,000 per statement cycle
  • 30% off on Swiggy food delivery. This is applicable on minimum transaction of Rs. 200 per order and can be availed up to 2 times in a month
  • 2 complimentary lounge access per quarter at selected domestic airports
  • 1% fuel surcharge on fuel purchases at all fuel stations within India. This is valid on transactions between Rs. 400 to Rs. 5,000 only
  • Purchase Protection Cover up to Rs. 1 Lakh
  • Credit Shield 1 Lakh
  • Loss of Check-in Baggage Cover up to 500 USD
  • Cover up to USD 300 for the following: Delay of check-in baggage and Loss of travel documents
  • Enjoy up to 15% off, maximum Rs. 500, at partnered restaurants in India
  • Annual Fee of Rs. 1,000 will be waived off by making annual spends of Rs. 2,00,000 and above

Editor's Review

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

* Unlimited 2 EDGE REWARD points on every Rs. 125 spends
* Accelerated points for spends up to Rs. 7000 per month on specific categories
* Gain a bouquet of memberships up to Rs. 1,000 every anniversary year

Cons

* No access to international lounges at airports
* No golf benefits are provided


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