RBL Bank Cookies Credit Card vs HDFC Moneyback Credit Card

* 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)

• 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
* 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

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%