Credit Card Comparison: ICICI Bank vs HDFC Bank

Today, each one of us holds at least one credit card. Many of us have more than one; believe it or not, we all use it daily for every type of transaction. It has become an indispensable part of our lives, especially the youth. And why wouldn’t it be? Credit cards are easy to apply for, easy to use, convenient and come with a lot of benefits.

If you’re also planning to apply for a credit card and enjoy unlimited offers, discounts, and deals that a good credit card offers, then keep reading this blog. We’re going to tell you the benefits of the top two credit cards: ICICI bank credit and HDFC bank credit card.

Let’s begin!

ICICI bank offers a variety of credit card options to its customers depending on their requirements. Each card offers a unique set of benefits and features. If you’re planning to get an ICICI credit card, then you must read all the features carefully and make an informed decision.

• Offers: Your ICICI credit card provides you with unmatched exciting offers and discounts that ease your shopping expenses.

• Card Protection Plan: ICICI bank credit card has a card protection plan that helps you protect your card from being misused.

• Personal Loan on Credit card: ICICI credit cards helps you get personal loans with instant approvals. 

• Statements & Bills: The cards allow you to pay mobile bills, electricity bills etc via online mode.

• Credit limit increase: ICICI bank allows you to increase your credit limits hassle-free. 

• Rewards: Every time you swipe your card, you earn rewards points.

• EMI on cards: The bank also allows you to use the EMI facility on your credit card. 

• Credit-free payment days: With ICICI credit cards, you get to enjoy credit-free payment days of a maximum of up to 48 days, including the due date.

• Unbelievable discounts: ICICI credit cards offer you exciting discounts offers on dine-out and movie tickets. 

• Lounge benefits: ICICI credit cards provides you with VISA lounge access benefits.

• International transactions: You can activate international transactions on your ICICI bank credit cards via iMobile Pay and Retail Internet Banking (RIB). 

• Other benefits: Other benefits like fuel surcharge waiver, building credit history etc.

HDFC credit card offers numerous benefits. The benefits of the cards are too awesome to ignore. Let’s have a look:

• Convenience: We know that you already know this, but an HDFC credit card has got you covered every time. 

• Recurring Payments: You can set up your HDFC credit card to automatically make recurring payments like electricity bills, mobile bills etc. 

• Rewards: Every time you swipe your card, you earn rewards points. 

• Travel Benefits: HDFC credit cards provide you with free access to airport lounges, extra luggage allowance, priority check-in and boarding etc.

• Recharge and tickets: You can easily pay for flight tickets or recharges via HDFC credit cards and pay later. 

• Interest-free credit: HDFC credit cards come with a grace period between purchase and payment. That could be up to 50 days, and during that period the bank doesn’t charge any interest.

• Cashbacks and Discounts: HDFC credit cards can offer you amazing cashback and discounts on transactions. 

• Other Benefits: The other benefits of using an HDFC credit card are like, you can get accidental death coverage, and fire and burglary protection on items you have purchased. However, in order to get insurance without any premium, you need to meet some minimum spending requirements.

Now, as you know the benefits of getting a credit card, choose as per your requirements.

Disclaimer: The information mentioned above was taken from the concerned bank's official website at the time of writing. BQ Prime is not liable for any changes. Please research before you purchase.