HSBC Visa Platinum Credit Card vs RBL Bank Platinum Plus SuperCard

• 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 fuel surcharge waiver up to Rs. 100 per month
* Avail 1 Reward Points per Rs. 100 that you spend on all you desire and like
* Avail 2X Reward Points on online spends, except for online purchases made on Education, Insurance, Utilities, including Bills2Pay, and Wallet Load. The maximum cap is 1,000 Reward Points
* In a year, spend Rs. 1,50,000 and get up to 10,000 Reward Points. Redeem these points at www.rblrewards.com/SuperCard for a range of gift vouchers/hotel stays/air tickets etc.
* Enjoy the BookMyShow Offer: Get 1 + 1 BookMyShow offer on movie tickets, up to Rs. 200 on any one day during the month. This is applicable only on a weekday
* 2 complimentary domestic airport lounges access in India in a year. The maximum limit is 1 complimentary airport lounge access in a quarter
* 24 x 7 Concierge Help Desk
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to RBL Bank Platinum Plus SuperCard at lower interest rates and convert it into EMIs

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
* Annual Rewards worth Rs. 5000 +
* Complimentary Lounge Access
* Rewards on all spends

Cons
* No golf complimentary benefits
* No airmiles
* No cashback offers