RBL Bank Platinum Bonus SuperCard vs BPCL SBI Card OCTANE

* Spend Based Waiver: Spend Rs. 1,00,000 in a year and get waiver for Next year Annual Fee
* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail Welcome Gift Vouchers worth Rs. 6,000 on payment of joining fees and spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 1,500 Reward Points on 4 transaction of Rs. 1,000 each per month 
* Get 5,000 Reward Points on crossing spend of Rs. 1,00,000 in a year 
* 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 Bonus SuperCard at lower interest rates and convert it into EMIs
* The Xpress Cash is a unique feature which enables you to get instant loan within your credit limit. Pay it back in easy installments and enjoy a host of benefits like document free process and paperless money transfer
* With Cash Advance program, one can satisfy its short-term cash requirements. Avail credit-free period of up to 50 days as an added benefit
* Contactless Transactions: Tap the card and instantly in a convenient way make payments at retail outlets
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* The card is equipped with a PIN-based-EMV chip
* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

• As a Welcome Girft, avail 6000 bonus reward points equivalent to Rs. 1500 on payment of annual fees. The Reward Points will be credited to the card holders account within 30 days of annual fee payment
• Spend Based fee reversal benefit - Next year Fee waiver on annual spends of 2 lakhs
• Get 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
• 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto Rs. 4000 (exclusive of GST and other charges)
• Avail 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spend
• Get 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 7500 Reward Points per month)
• Earn 1 Reward point per Rs. 100 spent on other retail purchases
• Avail 25 Reward Points on every Rs. 100 spent on Bharat Gas (Website and app only) is capped at 500 Reward Points per billing cycle
• 4 Reward Point = Rs. 1
• 1% fuel surcharge across all BPCL petrol pumps in India. This is applicable on transactions up to Rs. 4,000, exclusive of GST and other charges. Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200
• 4 complimentary visits per calendar year to Domestic VISA lounges in India (Max. 1 visit per quarter)
•  Obtain eGift Vouchers worth Rs. 2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of Rs. 3 Lakhs. The Aditya Birla Fashion voucher is redeemable at these brand stores only - Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter
• Complimentary Fraud Liability cover of 1 Lakh
• Instant Redemption of Reward Points at select BPCL petrol pumps
• Redeem your Rewards Points at Shop & Smile Rewards Catalogue
•  BPCL SBI Card OCTANE can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer the outstanding balance of other banks’ credit cards to BPCL SBI Card OCTANE, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using BPCL SBI Card OCTANE 

Pros
* Get 5,000 Reward Points on crossing spend of Rs. 1,00,000 in a year
* Rewards Hoon all spends
* Annual Rewards worth Rs. 8,750+

Cons
* No golf benefits
* No airmiles
* No airport lounge access

Pros

• 10X reward points across dining, movies, groceries and departmental stores
• Complimentary domestic lounge visits every year
• 6,000 bonus reward points worth the joining fee

Cons

• Fuel benefits are limited to only BPCL outlets
• No golf benefits
• No cashback benefits