BEST FOR GROCERY PURCHASES AND DINING

HSBC Cashback Credit Card

HSBC Cashback Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
10%
Cashback on grocery purchases || dining spends || food delivery spends - on total spends upto ₹10,000 per month
✔︎
Free access to airport lounges in India - 4 times per year (maximum 1 time per quarter)
1.50%
Cashback on all other card spends
Annual Fee

₹999

  • Welcome offer : Amazon vouchers worth ₹1000, at card spend of ₹10000 within 30 days
  • Renewal offer : Annual fee waiver from 2nd year onwards, at annual card spend of ₹2 lakhs in the previous year
Minimum Income

₹4 lakhs per year

10% cashback on grocery purchases || dining spends || food delivery spends - on total spends upto ₹10,000 per month
- You get 10% cashback in these categories, on total monthly purchases upto ₹10,000, since the maximum cashback at this earning rate is restricted to ₹1000 per monthly card statement cycle.

1.50% cashback on all other card spends
- You earn ₹1.50 cashback, on every ₹100 you spend on all other card purchases

Complimentary access to domestic airport lounges - 1 time per quarter
- You get free visits to airport lounges in India, 4 times per year (maximum 1 time per quarter)

Cities where this card is available : Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata.

Benefits
- Good cashback rate on grocery purchases, dining and food delivery
- Free visits to airport lounges in India

Drawbacks to consider
- You would need to consider other credit cards to earn higher rewards on other card spends (other than grocery purchases, dining and food delivery)


To read the full review of the card, please click here

PREMIUM CARD FROM HSBC

HSBC Premier Credit Card

HSBC Premier Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Unlimited complimentary access to airport lounges both in India and abroad
✔︎
Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
3%
Reward (in terms of airmiles) on all card spends
Annual Fee

₹20000

  • Welcome offer : Taj Experiences gift card worth ₹12,000 || Complimentary EazyDiner Prime annual membership || Epicure membership with offers and benefits across Taj hotels
  • Renewal offer : No annual fee for HSBC Premier customers
Minimum Income

HSBC Premier relationship required to get card || No annual fee for HSBC Premier customers

Metal credit card

3% reward (in terms of airmiles) on all card spends
- You earn 3 reward points, on every ₹100 you spend on your credit card. Reward points never expire.
- Reward points can be converted to airmiles. 1 reward point = 1 Club Vistara Point || 1 Air India Flying Return Point || 1 British Airways Avios Mile || 1 Etihad Airways Airmile

Unlimited complimentary access to airport lounges both in India and abroad

Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
- This is a benefit as part of HSBC Premier banking relationship

Low fee of 0.99% on foreign transactions
-This fee is charged is charged on value of foreign transactions

30% off your bill with EazyDiner, upto ₹1,250

Benefits
- Good lifestyle benefits

Drawbacks to consider
- You can get higher rewards on card spends, on other premium travel cards

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