Paisabazaar Paisa+ Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
cashback, secured card, upi, online spends
Top rewards
Online spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline retail spends: 1% cashback on offline spends; UPI spends: 1% cashback on eligible UPI transactions of ₹2,000 and above
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 | Paisabazaar Paisa+ Credit Card | HSBC RuPay Cashback Credit Card |
|---|---|---|
| Issuer | SBM Bank | HSBC Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 499 |
| Annual fee | Rs 499 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 2,00,000 |
| Reward type | cashback | cashback |
| Best for | cashback, secured card, upi, online spends | rupay, upi, cashback, dining, grocery |
| Top reward categories | Online spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline retail spends: 1% cashback on offline spends; UPI spends: 1% cashback on eligible UPI transactions of ₹2,000 and above | 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 | Fuel spends, EMI transactions, Wallet loading transactions, ATM withdrawals and cash advances, Purchase of gold or jewellery, Rent payments | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments |