Scapia Federal Bank Credit Card vs RBL Bank Platinum Plus SuperCard

• Zero joining and annual fees
• Enjoy unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs. 10,000 on VISA or Rs. 15,000 on Rupay card every month
• 10% reward on every eligible online and offline spend
• Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin
• Zero forex markup on all international transactions
• 24x7 customer service
• Instant in-app repayment
• Set transactions limits and manage permissions on the app
• On Scapia Federal Visa Credit Card, earn 10% rewards on every purchase of Rs. 20 and above. For purchase amounts below Rs. 20, rewards will not be credited
• On Scapia Federal Rupay Credit Card, earn 5% rewards on eligible spends 8 of more than 500 Rs. For purchase amounts below Rs. 500, rewards will not be credited
• Earn 20% rewards on travel purchases made on the Scapia App. Rewards earned on card transactions will be converted to Scapia coins on the statement date with the conversion ratio 1 Reward = 1 Scapia Coin
• Scapia coins can be accumulated and further utilised against services offered such as flights, stays, buses etc., or any other service offered by Scapia from time to time on the Scapia platform. The Scapia Coins can also be utilised against other exciting offers shown in the Scapia App from time to time
• Do note for redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App - 5 Scapia Coin = Rs. 1
• Complimentary Access to Domestic Airport Lounge:

a. Unlimited Domestic Lounge- Condition for eligibility: Customers have to spend Rs. 10,000 on Visa Credit Card or Rs. 15,000 Rupay Credit Card in a billing cycle for unlocking this facility. They should also be Active on a monthly basis for retaining the Unlimited Domestic Lounge free access. The transactions done on specific card variant will be eligible for the respective specific variant eligibility and cannot be combined with both variants

• No Cost EMI for Travel Transactions on Scapia App
• 1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000

* Avail fuel surcharge waiver up to Rs. 100 per month
* Avail 1 Reward Points per Rs. 100 that you spend on all you desire and like
* Avail 2X Reward Points on online spends, except for online purchases made on Education, Insurance, Utilities, including Bills2Pay, and Wallet Load. The maximum cap is 1,000 Reward Points
* In a year, spend Rs. 1,50,000 and get up to 10,000 Reward Points. Redeem these points at www.rblrewards.com/SuperCard for a range of gift vouchers/hotel stays/air tickets etc.
* Enjoy the BookMyShow Offer: Get 1 + 1 BookMyShow offer on movie tickets, up to Rs. 200 on any one day during the month. This is applicable only on a weekday
* 2 complimentary domestic airport lounges access in India in a year. The maximum limit is 1 complimentary airport lounge access in a quarter
* 24 x 7 Concierge Help Desk
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to RBL Bank Platinum Plus SuperCard at lower interest rates and convert it into EMIs

Pros

• Zero forex mark-up fee on international spends
• Earn 20% rewards on travel purchases made on the Scapia App
• Unlimited domestic airport lounge access

Cons

• Scapia coins redemption is limited to just travel bookings on Scapia app
• Low Scapia coins redemption ratio of 5:1
• No complimentary international airport lounge access

Pros
* Annual Rewards worth Rs. 5000 +
* Complimentary Lounge Access
* Rewards on all spends

Cons
* No golf complimentary benefits
* No airmiles
* No cashback offers