Tata Croma Titanium Card vs HDFC Bank Visa Signature Credit Card

• 500 Empower points on spends of Rs. 2,000 in the first 60 days
• 1.5% Value back on spends @ Croma & cromaretail.com
• Up to 5% Value back on spends on Tata Outlets
• 3X Points on Departmental and Grocery stores 

• Annual fees: Get the first-year’s membership free by spending Rs. 15,000 within the first 90 days
• Renew the membership for free by spending Rs. 75,000 in a year
• Enjoy the comfort of over 600 global airport
• Earn 2 reward points for every Rs. 150 spends
• Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)
• Get up to three add-on cards free for your family
• With the EMV Chip technology in the card, stay protected against fraud
• Zero liability on lost card
• Avail 50 days of interest-free credit from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

Pros

• Welcome Benefits 
• Up to 5% Value back on spends on Tata Outlets
• 3X Points on Departmental and Grocery stores

Cons

• High-interest rate
• No Airport Lounge access 
• No Golf games

Pros

• Enjoy the comfort of over 600 global airport
• Earn 2 reward points for every Rs. 150 spends
• Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)

Cons

• No golf benefits
• No insurance benefits
• No cashback offers