Axis Bank Select Credit Card vs RBL Bank Platinum ShopGain SuperCard

• 24x7 dedicated concierge
• Explore curated experiences from across the world with Extraordinary Weekends
• 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
• 20% off at partnered restaurants in India
• Air Accident cover up to Rs. 2.5 Crore
• Purchase protection up to Rs. 1 Lakh
• Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover

* 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 6,000 RP as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Earn 25 Reward Points for every Rs. 100 spent on utility bill payments - up to 500 Reward Points pm
* Get 1+1 on Bookmyshow twice a month (up to Rs. 200 per month)
* 4 Complimentary domestic lounge access (1 per quarter)
* The Platinum Shopgain SuperCard account can easily be manage on-the-go with RBL MyCard Mobile App
* 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 Platinum Shopgain 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
* Offers on Utility Bill Payments

Pros

• Amazon Voucher worth Rs 2000 on card activation
• 20% off up to Rs. 500 p.m. on Bigbasket
• 40% off up to a maximum of Rs. 200 on Swiggy

Cons            

• High-interest rate
• High Joining/Renewal Fee

Pros
* 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

Cons
* No golf benefits

* No airmiles

* No fuel surcharge waiver