PNB Zaggle vs HSBC RuPay Cashback Credit Card: Which Offers Better Rewards with 10 Airport Lounge Visits at No Minimum Spend?
Credit cards that combine rewards with complimentary airport lounge access can offer added value to frequent travellers and everyday spenders. The PNB Zaggle Credit Card and HSBC RuPay Cashback Credit Card both offer 10 airport lounge visits annually, comprising 8 domestic and 2 international visits. However, while PNB Zaggle stands out for its reward points, lifestyle vouchers and railway lounge access, HSBC offers up to 10% cashback on eligible spending categories.
PNB Zaggle Credit Card
Joining Fee: ₹499 + applicable taxes
Annual Fee: ₹499 + applicable taxes
Annual Fee Waiver: Waived on annual spends of ₹1.50 lakh
Card Network: RuPay Select + Visa Platinum
Credit Limit: Single sanctioned credit limit for both cards
Reward Benefits
Earn 10 Reward Points on every ₹300 spent and multiples thereof
PNB values 10 Reward Points at ₹2.50
Rewards are applicable on eligible retail transactions as per the card's terms and conditions
Domestic & International Lounge Benefits
Get 8 complimentary domestic airport lounge visits every year (2 per quarter)
Get 2 complimentary international airport lounge visits every year
Lounge access is available through the RuPay Select programme
Railway Lounge Benefits
Get 2 complimentary railway lounge visits available once per quarter through the Visa Platinum variant
Lifestyle & Entertainment Benefits
Get a 3-month Cult Fit Live subscription once every year.
Enjoy a 3-month Swiggy One membership once every year.
Receive a Prime/JioHotstar welcome benefit once per year.
Get Buy 1 Get 1 movie tickets on BookMyShow worth up to ₹250 once every quarter.
Receive a ₹250 Flipkart voucher under the applicable offer.
Get a ₹250 Myntra voucher on eligible purchases.
Enjoy a ₹100 Ola/Uber voucher as part of the lifestyle benefits.
Get a ₹1,500 MakeMyTrip voucher on eligible bookings.
Travel & Shopping Benefits
Up to 15% discount on ixigo flight and hotel bookings (maximum ₹1,200 per month; minimum transaction ₹5,000)
Visa activation voucher worth up to ₹250 on the first eligible ₹300+ transaction
GRT Jewellers offer: ₹250 off on silver jewellery and up to ₹1,500 discount on eligible gold jewellery purchases
Personal Accident Insurance: Personal accident insurance cover of up to ₹10 lakh, subject to the applicable terms and conditions.
To apply for the card, please visit the Official Website
Also read: Gold Prices Decline, Gold ETF Inflows Surge 71.4%: Top 10 Gold ETFs in India With Up to 34.86% Returns in 3 Years
HSBC RuPay Cashback Credit Card
Joining Fee: ₹499 + applicable taxes
Annual Fee: ₹499 + applicable taxes
Annual Fee Waiver: Waived if annual spending exceeds ₹2 lakh
Card Network: RuPay with JCB network support for international transactions
Welcome Benefits
Get ₹500 cashback when you download and log in to the HSBC India Mobile Banking app and spend ₹10,000 within 30 days of receiving the card, subject to terms and conditions.
Receive a ₹250 Amazon eGift Voucher when you apply online, complete video verification and receive the card, subject to eligibility and offer terms.
Enjoy a 2-month EazyDiner membership upon activating the RuPay credit card, subject to terms and conditions.
Receive ₹250 cashback when you link the card to UPI and complete two transactions of ₹250 or more within 30 days of getting the card, subject to the applicable offer terms.
Get ₹1,000 cashback on spending ₹1,000 or more within 30 days of receiving the card after submitting income documents through Account Aggregator, subject to the applicable offer terms.
Cashback Benefits
Earn 10% cashback on eligible dining, food delivery and grocery spending.
Earn 1% cashback on all other eligible spending.
Maximum cashback: ₹400 per month across eligible spending.
Cashback is available on eligible in-store and online transactions.
Applicable exclusions and terms and conditions apply.
Domestic & International Lounge Benefits
Get up to 8 complimentary domestic airport lounge visits every year (2 per quarter).
Get 2 complimentary international airport lounge visits every year.
Travel & International Benefits
Enjoy 0% foreign exchange mark-up on eligible international transactions until 31 December 2026, subject to terms and conditions.
Use the card for payments and ATM transactions in around 160 countries and regions through the JCB network.
Get discounts of up to ₹6,000 on eligible flight and hotel bookings through Cleartrip using the applicable promotional codes.
Access international offers and experiences through the JCB network, subject to individual offer terms.
Shopping & Lifestyle Benefits
Access exclusive shopping, dining and other offers available to RuPay cardholders.
Get 5% off eligible Paytm bill payments of ₹299 or more using promo code HSBCRUPAY.
Paytm offer covers eligible mobile recharges, broadband, DTH, water, gas, electricity and FASTag transactions.
Maximum Paytm discount: ₹150, subject to applicable terms and exclusions.
Access additional discounts and offers through the JCB network.
Which Credit Card Should You Choose?
The PNB Zaggle Credit Card may suit users seeking a combination of airport lounge access, railway lounge benefits, lifestyle vouchers and reward points. Its ₹1.5 lakh annual fee waiver threshold is also lower than HSBC's stated ₹2 lakh threshold. However, HSBC RuPay Cashback may deliver higher direct cashback for users with substantial eligible dining, food delivery and grocery spending. The better choice depends on how much value cardholders can actually use from each card's benefits.