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| Feature | HSBC India HSBC Visa Platinum Credit Card | IDFC FIRST Bank IDFC FIRST Select Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HSBC India | IDFC FIRST Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.3% | 0.4% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.3% · Base HSBC reward points | 1.3% · Birthday-month rewards |
| International spending | 0.3% · Base HSBC reward points | 1.3% · Birthday-month rewards |
| Travel & hotels | 0.3% · Travel with Points bonus | 1.3% · Birthday-month rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed | Approx. ₹1,00,000/month |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | Fee-averse users who buy movie tickets and want an uncomplicated general-purpose Visa card. | Fee-averse travellers who want dining/travel rewards and lounge access without paying for it. |
| Main trade-off | Point value varies by redemption: GainFair uses ₹0.25 conservatively, while selected airline or hotel transfers can be higher. Several current welcome and District offers expire in October 2026 and are not treated as permanent annual value. | Every reward redemption costs ₹99 plus GST, and international transactions stop earning points from 26 October 2026. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
