Compare : Kotak Cashback+ Credit Card vs HSBC RuPay Cashback Credit Card

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2 month EazyDiner membership on card activation

5% cashback on online groceries and food delivery

5% cashback on online entertainment

3% cashback on fuel spends across all fuel stations

0.5% unlimited cashback across all other eligible spends

10% cashback on dining, grocery and food delivery spends

1% cashback on other eligible spends, including UPI transactions

Cashback earnings are capped at Rs. 400 per month

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Up to 8 domestic airport lounge visits per year (max. 2 per quarter) and 2 international lounge visits per year

Accelerated value-back on everyday spends like grocery and food delivery

Covers more ground in entertainment with benefits on OTT subscriptions and gaming

Offers 3% cashback on fuel spends – which is generally excluded from rewards programs

Up to 10% savings on food-related spends

Complimentary worldwide access to airport lounges

Zero forex mark-up fee

Discount offers on leading platforms for lifestyle-related spends

Low annual fee with easily achievable fee waiver condition

Base rate of 0.5% is too low for a card that charges Rs. 750 annual fee

Low capping of Rs. 500 across all accelerated spends which limit the earning potential

No added benefits like domestic lounge access, discounts, etc.

Low capping on monthly cashback earnings

No cashback earnings on international spends even though no forex mark-up fee is charged

Consumers who spend a significant amount on online groceries, food delivery and online entertainment expenses

Those who want a RuPay credit card to make and save on UPI transactions and prefer to earn cashback with higher savings on dining, groceries and food deliveries