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

2 month EazyDiner membership on card activation

Rs. 1,000 cashback on spending Rs. 20,000 within the first 30 days of card issuance (Valid till 31st Dec 2024)

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

10% cashback, up to Rs. 1,000 per month, on grocery, dining and food delivery spends

Unlimited 1.5% cashback on other category spends

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

4 complimentary visits to domestic airport lounges every year

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

High cashback earning rate on food-related spends

Hassle-free cashback redemption as statement credit

Low spend-based annual fee waiver condition

Good value-back on card activation

Low capping on monthly cashback earnings

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

Monthly capping of Rs. 1,000 in the accelerated categories is too low for a card that charges Rs. 999 annual fee

No significant benefits on travel, movies or other online spends

Long list of exclusions from cashback earning that also includes some major spends like utility bill payments, fuel, rent etc

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

Those who prefer cashback over reward points, frequently dine-out or whose food-related spends make up a major portion of their monthly spends.