IndusInd Bank Platinum Master Credit Card vs HDFC Moneyback Credit Card

• 1.5 reward points for every Rs. 150 spent
• Comprehensive insurance benefits
• Fuel surcharge waiver
• Buy 1 Get 1 free on movie tickets
• Redemption options: IndusMoments, Airline miles on InterMiles, Airline miles on Vistara, Cash Credit
• Platinum Credit Card Privileges: 

1. Priority Pass Membership for you and your partner
2. Complimentary golf session once a quarter at any of the select prestigious clubs
3. Golf lessons and hole-in-one insurance
4. Movie tickets at theatres twice a month (2 x 200 x 12)
5. Savings on fuel surcharge
6. The annual value of Reward Points on an average spend of Rs. 30,000 per month (300 points per month)
7. IndusInd Bank Platinum Card welcomes you with great lifestyle offerings from EazyDiner, Montblanc, Luxe Gift Card, Collection Of Intimate Luxury Hotels, Amazon, Flipkart, Big Bazaar, ZEE5, Swiggy, Zomato Gold, Apollo Pharmacy, Biba Online, Ola Cabs, Uber, BATA, Vero Moda, ALDO, William Penn, Titan, Pantaloons, Hidesign, Woodland, United Colors of Benetton, Yatra, Charles & Keith, Louis Philippe, Hush Puppies, Urban Ladder.

• BookMyShow Offer: Buy one movie ticket and get the other one absolutely free. Avail up to two free movie tickets in a month. Offer valid in all theatres registered with BookMyShow across all major cities. The price of the free ticket is capped at Rs. 200. 
• Sathyam Cinemas Offer: Buy one movie ticket and get the other one absolutely free. Avail of up to four free tickets in a month. Offer valid in Chennai only.
• With the Travel Plus program avail special waivers on lounge usage charges outside India.
• Travel insurance for: Lost baggage, Delayed baggage, Loss of passport, Lost ticket, and Missed connection
• Platinum Concierge service: A team of professionals are ready to assist you with hotel reservations, flight bookings and other lifestyle requirements. This is a complimentary service and is accessible from anywhere in the world. 
• Auto Assist
• Total Protect is a first-of-its-kind program that covers the cardholder for a sum up to the credit limit on your credit card and is available on add-on cards as well.
• Air Accident Coverage- Complimentary personal air accident insurance cover of up to Rs. 25 lakh.

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

Pros

• Avail surcharge on petrol at various petrol pumps in India: 1% on fuel surcharge at any petrol pump within India.
• Air Accident Coverage
• Discounts on Shopping, Dining, Spa, Travel, and Lifestyle

Cons

• High Joining fee and annual fee
• Fees applicable for using Priority Pass Membership

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%