HSBC Visa Platinum Credit Card vs BOB Financial Easy
Joining Fees
₹0
₹500
Editor's Rating
4.3
4.6
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
- Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
- Avail 1 reward point for every Rs. 100 spent on other categories
- Avail 0.5% of the card bill payment as cash-back in the next statement
- Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/waiver of annual fees
- 1% fuel surcharge waived for fuel transactions between Rs. 400 - Rs. 5,000 (Max. waiver of Rs. 250 per month)
- Redeem the earned reward points as cash-back and other exciting options
- Convert purchases of more than Rs. 2,500 on the card into easy EMIs of 6/12 months
- 3 lifetime free add-on cards
- Free Personal Accidental Death Cover
- Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
- Avail 50 days of interest free credit from the date of any purchase
- Pay Minimum Amount Due and finance your spends as per your convenience
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
- Easy EMI Option
- First year Fee: Spend 6,000 on the card within 60 days for fee reversal
- Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
Cons
- No golf privileges
- No airport lounge access
