Compare RBL Bank Classic Platinum Credit Card vs HDFC Moneyback Credit Card

* Joining Fee and Annual Fee will be communicated at the time of sourcing

* Avail 2 reward points for every Rs. 100 spent in India

* Avail 4 reward points for every Rs. 100 spent Internationally

* With the earned points you can redeem then for: Flight tickets & Hotel stays, Latest gadgets and shopping products, Mobile Recharge, Retail shopping vouchers, and Curated personalized gifts

* The card is equipped with a PIN-based-EMV chip

* With the Flexi Limit facility, one can stay in control of its finances. Simply regulate the credit limit on the card and on the add-on card by calling the 24X7 customer service and assigning a lower limit. Assign varied limit on the primary and add on credit card

* Global Acceptance

* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign

* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

* Avail up to 5 add-on cards

You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
Earn 2 Reward Points on every Rs 150 spent
Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

Pros
* Avail 2 reward points for every Rs. 100 spent in India
* Avail 4 reward points for every Rs. 100 spent Internationally
* With the Flexi Limit facility, one can stay in control of its finances. Simply regulate the credit limit on the card and on the add-on card by calling the 24X7 customer service and assigning a lower limit. Assign varied limit on the primary and add on credit card

Cons
* No golf benefits
* No airmiles
* No airport lounge access

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