BOB Financial Easy vs SBM Magnet Credit Card

• Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
• Avail 1 reward point for every Rs. 100 spent on other categories
• Avail 0.5% of the card bill payment as cash-back in the next statement
• Spend  Rs. 6,000 within 60 days and  Rs. 35,000 in a year for reversal/waiver of annual fees
• 1% fuel surcharge waived for fuel transactions between  Rs. 400 -  Rs. 5,000 (Max. waiver of Rs. 250 per month)
• Redeem the earned reward points as cash-back and other exciting options
• Convert purchases of more than  Rs. 2,500 on the card into easy EMIs of 6/12 months
• 3 lifetime free add-on cards
• Free Personal Accidental Death Cover
• Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
• Avail 50 days of interest free credit from the date of any purchase
• Pay Minimum Amount Due and finance your spends as per your convenience

• FD backed credit card helping to build credit score while earning unlimited magnet coins as rewards
• Enjoy a lifetime-free credit card with no renewal fees
• No documents or income verification required. Just a simple application and guaranteed approval
• Welcome Benefit: Receive 5,000 ZET Coins valued at Rs. 500. These coins can be used to purchase vouchers for popular brands like Amazon, Flipkart, and Swiggy
• Save smart with up to 7% interest on your FD - all insured by RBI
• Get 5% Cashback/Rewards on Top Brands like Amazon, Flipkart, Myntra, Domino and more credited as real Cashback that can be directly transferred to your bank account
• 8% Rewards on Flipkart
• 20% Rewards on Myntra
• Up to 15% Rewards on All Major Platforms
• Enjoy up to 20% savings on Swiggy, Zomato, MakeMyTrip, BookMyShow, and many more
• 3 Fast-track your approval process
• RuPay Credit Card- Instantly link to UPI apps
• Enjoy up to 45 days of interest-free credit - pay later with zero interest
• 1% Fuel Surcharge Waiver

Pros

• Easy EMI Option
• First year Fee: Spend 6,000 on the card within 60 days for fee reversal
• Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
  
  Cons

• No golf privileges
• No airport lounge access

Pros

• FD backed credit card helping to build credit score while earning unlimited magnet coins as rewards
• Enjoy a lifetime-free credit card with no renewal fees
• Get 5% Cashback/Rewards on Top Brands like Amazon, Flipkart, Myntra, Domino and more credited as real Cashback that can be directly transferred to your bank account

Cons

• No travel benefits
• No golf benefits
• No complimentary domestic or international airport lounge access