HSBC Visa Platinum Credit Card vs ICICI Bank Platinum Chip Credit Card
Joining Fees
₹0
₹0
Editor's Rating
4.3
3.07
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
- Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel. Redeem the points to avail attractive products on ICICI Bank Rewards platform
- Avail 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
- Redeeming ICICI Bank Rewards Points is easy and it allows you to indulge in the finer things life has to offer. From movie and travel vouchers to lifestyle products, ICICI Bank Reward Points offer a diverse range of options for redemption
- 1% fuel surcharge waiver on fuel transactions of maximum Rs. 4,000 at HPCL pumps
- Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas. Moreover, when traveling abroad, use the dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have
- Mastercard Offers: Mastercard Priceless Specials is an exclusive program specially created for Mastercard cardholders. This program has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders
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
- Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel, and 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
- 1% fuel surcharge waiver on fuel transactions
- Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas
- Mastercard Offers: Mastercard Priceless Specials is an exclusive program that has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders
Cons
- No International Airport Lounge access
- No Golf benefits
- No travel miles benefits
