HSBC Visa Platinum Credit Card vs RBL Bank Cookies Credit 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

* Get Voucher worth Rs. 1,000 by simply spending Rs. 2 lakhs in a year. Select from Amazon, Flipkart, Myntra, Croma & Shoppers Stop
* Get Voucher worth Rs. 5,000 by simply spending Rs. 5 lakhs in a year. You can choose from Amazon, Flipkart, Myntra, Croma & Shoppers Stop
* Avail 10% off at BookMyShow & Grofers, up to Rs. 300 each per month
* Avail 10% cashback at Myntra, Uber & Zomato, up to Rs. 300 each per month
* 5 Reward Points for every Rs. 100 spent online
* 1 Reward Point for every Rs. 100 spent offline except on fuel
* Fuel surcharge waiver across all stations. This is valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 150 per month
* In a month, spend Rs. 5,000 to get next month’s membership fee waived off. (Applicable if the card is issued after 10th May 2021)

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
* 1 Reward Point for every Rs. 100 spent offline except on fuel
* Fuel surcharge waiver across all stations. This is valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 150 per month
* In a month, spend Rs. 5,000 to get next month’s membership fee waived off. (Applicable if the card is issued after 10th May 2021)

Cons
* No golf privileges
* No travel benefits such as airport lounge access or any flight discounts
* No airmiles