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RBL Bank Platinum Bonus SuperCard vs SBI Miles Credit Card

Joining Fees

₹999

₹1,499

Editor's Rating

3.4

3.7

Key Features

* 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 Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
  • Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
  • Get 2 Travel Credits for every Rs. 200 spent on travel
  • Get 1 Travel Credits for every Rs. 200 on all other spends
  • You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
  • Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
  • Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
  • Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
  •  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
  • Low Foreign Currency Mark-up Charge of 3.00% on International usage
  • 1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
  • SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
  • Pay  electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
  • Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

Editor's Review

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

  • Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
  • Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
  •  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons

  • No golf benefits
  • No cashback benefits
  • No movie or dining benefits 


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