IndianOil Citi Platinum Credit Card vs HSBC RuPay Platinum Credit Card

• 4 Turbo points / Rs. 150 spent & 1% fuel surcharge reversal on fuel purchase at authorized IndianOil outlets
• 2 Turbo points / Rs. 150 spent on groceries and supermarkets & 1 Turbo point / Rs. 150 on all other spends
• Get Deals and Discounts locally and in over 90 countries
• Instant loans to get things done right away
• Save up to 20% on dining bills at participating restaurants

• Welcome Benefits include getting the following:

A. Avail Rs. 500 cashback when downloading and logging on to the HSBC India Mobile Banking app and spending Rs. 5,000 within 30 days of getting the card

B. Avail an RS. 250 Amazon eGift Voucher when applying online, verifying yourself by video and receiving your card

C. Get 2-months EazyDiner membership when activating your RuPay credit card

D. Also get Rs. 250 cashback when linking your card to UPI and making 2 transactions of Rs. 250 or more within 30 days of getting your card

• Link the credit card to UPI apps and enjoy easy direct payments with your card
• Make annual savings of up to Rs. 3,000 on fuel surcharges with our credit card waiver
• Use ATMs and make payments in over 160 countries and regions around the world, powered by the JCB network
• Earn 2 Reward points for every Rs. 150 you spend with your card
• Earn up to 6X reward points on hotels, flights and car rentals on Travel with Points
• Instantly convert reward points to air miles and hotel loyalty points in the HSBC India Mobile Banking app
• The HSBC SimplyPay app lets you pay bills and send money to family and friends, quickly and securely, wherever and whenever you want. All you need to do is link your bank account or RuPay credit card. Get Rs. 100 reward
• Enjoy exclusive discounts and offers with RuPay: Save on shopping, dinning and more with a range of offers and discounts exclusively for RuPay cardholders
• Savings on dining and movies with District by Zomato: Save 10% on dining, activities and shopping, and enjoy movies on the big screen for less with buy-one-get-one cinema tickets
• Save on grocery deliveries with Swiggy Instamart: Get 10% off on orders of Rs. 500 and above (max discount Rs. 200)
• Enjoy discounts and ofers around the world with the JCB network: Access global discounts, offers and experiences with the JCB network-enabled RuPay credit card
• Enjoy discounts up to Rs. 6,000 on flights and hotels via Cleartrip
• Enjoy money off your bills with Paytm: Use promo code to get 5% off transactions of Rs. 299 or more on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills (max discount Rs. 150)

Pros

• Choose to redeem points now or later – it's a choice you have because the Turbo points will never expire
• Get 250 Turbo Points on your first spend within 30 days of card issuance
• Redeem points instantly via SMS against purchases at leading brands

Cons

• No complimentary Airport Lounge access
• Fuel points are applicable only for Indian Oil fuel stations
• No cash-back options

Pros

• Lifetime free credit card with zero joining and annual charges
• Rewards on UPI spends
• Multiple redemption options, including miles conversion
• Multiple benefits on card activation

Cons

• No airport lounge access
• No Golf benefits
• No Insurance benefits
• Co-branded benefits are valid for a limited period and Limited lifestyle benefits