HSBC Visa Platinum Credit Card vs Lifestyle HC SBI Card

• 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

• 1% fuel surcharge waiver
• Earn 1,000 bonus Reward Points on annual spends of Rs 20,000 across all Landmark Stores
• Earn 2,000 bonus Reward Points on annual spends of Rs 45,000 across all Landmark Stores
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores

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                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert the Reward Points into Landmark rewards and get dual benefit
• Get 5 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
• Cumulative milestone benefits up to 16,000 RP worth Rs 4,000                                                                                                      

Cons 

• No Airport Lounge access 
• No Golf/coaching sessions