HSBC Visa Platinum Credit Card vs IDFC First Power Credit Card

• Nil joining and annual fees
• New customers will receive the following welcome privileges on transaction(s) of a minimum Rs. 5000 within 30 days of card issuance: Amazon voucher (worth Rs. 500)
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• 5-times (5X) rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 with a max 15,000 accelerated reward points in an anniversary year
• Up to Rs. 3,000 annual savings on fuel surcharge
• Zero-liability for lost cards
• Emergency card replacement: If the HSBC Visa Platinum Credit Card gets lost, immediately call Visa Global Assistance Services or HSBC Helpline numbers and have the card cancelled and an emergency card will be issued anywhere in the world in 3 days. The user can also opt to receive emergency cash at over 22,000 outlets globally
• Insurance benefits
• Other benefits include some regular card benefits such as cash advance, additional credit cards, global access, online convenience, 24x7 customer access through Phone Banking
• Enjoy BookMyShow Saturday offer: Buy-one-get-one-free movie tickets on Saturdays- Up to Rs. 250
• On Tata CLiQ  get 15% instant discount on selected products in Lifestyle, Electronics and Luxury Categories
• When completing the credit card application online, you can win an Amazon e-gift voucher worth Rs. 250
• The “Airport Lounge Services” Program is applicable to those who meet all requirements

* Welcome benefits worth Rs. 1,400
* Annual Fee will be waived off on spends of Rs. 50,000 or more in a year
* Save up to Rs. 7,000 annually with the credit card, enough to buy you 65+ litres of fuel
* You’ll get rewarded for every UPI transaction
* Enjoy low and dynamic Interest rates starting at 9% per annum
* Until due date, 0% Interest on ATM Cash Withdrawals
* Up to 5% savings on fuel expenses of up to Rs. 5,000 every month: 2.5% savings as Rewards on HPCL fuel and LPG &
 1.5% savings as Happy Coins through HP Pay App &
 1% savings as fuel surcharge waiver
* 2.5% savings as Rewards on Grocery and Utility expenses of up to Rs. 4,000 every month
* 2.5% savings as Rewards on IDFC FIRST FASTag recharge of up to Rs. 2,000 every month
* Avail 2X Rewards on other retail transactions
* Rs. 250 cashback on 1st HPCL fuel transaction of Rs. 250 or above
* 5% cashback (up to Rs. 1,000) on the transaction value of 1st EMI conversion
* On Swiggy, Rs. 150 Discount on order above Rs. 500
* On ZoomCar Rentals get Rs. 500 Discount
* EMIfy purchases and balances and enjoy convenience of payment
* Extend Add-on card to your pillion rider & boost savings without any extra charges
* Refer friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)

Pros

• New customers will receive welcome privileges on transaction(s) of a minimum Rs. 5000 within 30 days of card issuance: Amazon voucher (worth Rs. 500)
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• 5-times (5X) rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 with a max 15,000 accelerated reward points in an anniversary year

Cons

• No golf/coaching sessions
• “Airport Lounge Services” Program is applicable to those who meet all requirements

Pros

* Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar
* Complimentary Roadside Assistance worth Rs. 1,399
* Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000

Cons

* No airport lounge access
* No gold privileges