HSBC Visa Platinum Credit Card vs HDFC Bank Visa Signature Credit Card

Joining Fees

₹0

₹0

Editor's Rating

4.3

3.25

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
  • Annual fees: Get the first-year’s membership free by spending Rs. 15,000 within the first 90 days
  • Renew the membership for free by spending Rs. 75,000 in a year
  • Enjoy the comfort of over 600 global airport
  • Earn 2 reward points for every Rs. 150 spends
  • Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)
  • Get up to three add-on cards free for your family
  • With the EMV Chip technology in the card, stay protected against fraud
  • Zero liability on lost card
  • Avail 50 days of interest-free credit from the date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

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

  • Enjoy the comfort of over 600 global airport
  • Earn 2 reward points for every Rs. 150 spends
  • Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)

Cons

  • No golf benefits
  • No insurance benefits
  • No cashback offers


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