HSBC RuPay Cashback Credit Card
Rs 499Annual fee
Rs 2,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic lounge visits per year (max 2 per calendar quarter).
- 2 complimentary international lounge visits per calendar year.
3.5%Forex markup
Best for
rupay, upi, cashback, dining, grocery
Top rewards
Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1% Cashback
Google Pay Flex Axis Bank Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
upi, google pay, cashback, dining, lifetime free
Top rewards
UPI payments on Google Pay: 1 Star / Rs 500 spent (0.2% return rate); Other eligible retail spends: 1 Star / Rs 500 spent (0.2% return rate)
| Feature | HSBC RuPay Cashback Credit Card | Google Pay Flex Axis Bank Credit Card |
|---|---|---|
| Issuer | HSBC Bank | Axis Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 499 | Rs 0 |
| Annual fee | Rs 499 | Rs 0 |
| Fee waiver spend | Rs 2,00,000 | - |
| Reward type | cashback | stars |
| Best for | rupay, upi, cashback, dining, grocery | upi, google pay, cashback, dining, lifetime free |
| Top reward categories | Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1% Cashback | UPI payments on Google Pay: 1 Star / Rs 500 spent (0.2% return rate); Other eligible retail spends: 1 Star / Rs 500 spent (0.2% return rate) |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | 0 |
| International lounge | 2 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Unlock 2X stars in the current reward cycle by spending Rs 100 or more in the previous cycle, Unlock promotional 4X stars after spending more than Rs 15,000 in the current reward period, subject to Google Pay campaign terms, Unlock promotional 8X stars after spending more than Rs 30,000 in the current reward period, subject to Google Pay campaign terms |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments | Rent payments, E-wallet loading transactions, Educational institution payments via third-party apps, Online skill-based gaming spends, Cash withdrawal and financial services transactions |