PNB Rupay Platinum vs HSBC Cashback Card vs Axis ACE
Side-by-side credit card comparison to help you choose the best one.
Our Pick
Axis ACE
4.6
Why this card wins: Bill Payments — 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato
| Feature | PNB Rupay Platinum | HSBC Cashback Card | Axis ACE |
|---|---|---|---|
| Bank | Punjab National Bank | HSBC India | Axis Bank |
| Card Type | Entry Level | Cashback | Cashback |
| Annual Fee | ₹299 + GST | ₹750 + GST | Lifetime Free |
| Joining Fee | ₹99 + GST | ₹750 + GST | Nil |
| Rewards | 2 reward points per ₹100 on all spends | 1.5% unlimited cashback on all spends | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato |
| Best For | Budget Users | Pure Cashback | Bill Payments |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹1,50,000 | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | ₹750 cashback on first ₹7,500 spend | None |
| Min Income | ₹12,000/month | ₹25,000/month | ₹15,000/month |
| Lounge Access | None | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 3.9 | 4.4 | 4.6 |
| Contactless | |||
| EMI Conversion |
Key Features
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
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
Our Pick
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
Verdict
Based on rating and overall value, Axis ACE ranks highest among your selected cards. It excels at Bill Payments and offers 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato.