Platinum Delight Credit Card
Rs 1,000Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Shopping, Weekend Rewards, Milestones
Top rewards
Weekend Spends (2X Points): 4 Reward Points / ₹100 spent; Other Eligible Retail Spends: 2 Reward Points / ₹100 spent
MoneyBack+ Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Household Spends, Shopping, Entry Level Rewards
Top rewards
Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent
| Feature | Platinum Delight Credit Card | MoneyBack+ Credit Card |
|---|---|---|
| Issuer | RBL Bank | HDFC Bank |
| Network | Visa | Visa, Mastercard, RuPay |
| Joining fee | Rs 1,000 | Rs 500 |
| Annual fee | Rs 1,000 | Rs 500 |
| Fee waiver spend | Rs 2,00,000 | Rs 50,000 |
| Reward type | Reward Points | CashPoints |
| Best for | Shopping, Weekend Rewards, Milestones | Household Spends, Shopping, Entry Level Rewards |
| Top reward categories | Weekend Spends (2X Points): 4 Reward Points / ₹100 spent; Other Eligible Retail Spends: 2 Reward Points / ₹100 spent | Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Earn 1,000 bonus reward points on swiping your card 5 times for transactions of ₹1,000 or more in a calendar month, Annual fee waiver on annual spends of ₹2 Lakhs or more | Gift voucher worth ₹500 on spends of ₹50,000 per calendar quarter |
| Redemption | Not Listed | SmartBuy travel: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading | Fuel spends, Rental payments, Government transactions, Insurance spends, Wallet loading transactions, EMI transactions |