Kotak Cashback+ Credit Card
Rs 750Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
cashback, online food, grocery, entertainment, fuel
Top rewards
Online grocery and food delivery: 5% cashback; Online movies and OTT entertainment: 5% cashback; Fuel spends: 3% cashback
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
| Feature | Kotak Cashback+ Credit Card | HSBC RuPay Cashback Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | HSBC Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 750 | Rs 499 |
| Annual fee | Rs 750 | Rs 499 |
| Fee waiver spend | Rs 2,00,000 | Rs 2,00,000 |
| Reward type | cashback | cashback |
| Best for | cashback, online food, grocery, entertainment, fuel | rupay, upi, cashback, dining, grocery |
| Top reward categories | Online grocery and food delivery: 5% cashback; Online movies and OTT entertainment: 5% cashback; Fuel spends: 3% cashback | Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1% Cashback |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 2 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Rent payments, B2B transactions, Utility bills, Insurance premiums, Education spends, Government services spends | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments |