HSBC Cashback Card vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
HSBC Cashback Card
Why this card wins: Pure Cashback — 1.5% unlimited cashback on all spends
| Feature | ||
|---|---|---|
| Bank | HSBC India | Punjab National Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | ₹750 + GST | ₹299 + GST |
| Joining Fee | ₹750 + GST | ₹99 + GST |
| Rewards | 1.5% unlimited cashback on all spends | 2 reward points per ₹100 on all spends |
| Best For | Pure Cashback | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | ₹750 cashback on first ₹7,500 spend | None |
| Min Income | ₹25,000/month | ₹12,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.4 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, HSBC Cashback Card ranks highest among your selected cards. It excels at Pure Cashback and offers 1.5% unlimited cashback on all spends.
Frequently asked questions
Which is better: HSBC Cashback Card or PNB Rupay Platinum?
HSBC Cashback Card has the higher CardKhoj rating (4.4/5) and is best for pure cashback. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: HSBC Cashback Card and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹750 + GST for HSBC Cashback Card.
Do HSBC Cashback Card and PNB Rupay Platinum offer airport lounge access?
HSBC Cashback Card: 2 domestic per year. PNB Rupay Platinum: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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