BOB Financial PREMIER vs Tata Neu Plus SBI Credit Card

• 5X rewards on travel, dining and abroad; 2 Reward points on others
• Complimentary airport lounge, 24x7 concierge
• Zero fuel surcharge
• Fuel surcharge waiver
• Zero annual fees basis card usage

• Welcome benefits include getting 499 NeuCoins (worth Rs. 499) within 15 days of Joining Fee realisation
• Redeem these coins on Tata New App/Website and partner Tata Brands
• 2% value-back as NeuCoins on spends on Tata Neu App/Website and partner Tata Brands
• Extra 5% value-back as NeuCoins on select category spends on Tata Neu App/Website
• 1% value-back as NeuCoins on other spends
• 1% value-back as NeuCoins on UPI transactions (valid only on Rupay variant)
• 4 complimentary domestic airport lounge access every year ( maximum 1 per quarter) on quarterly spends of Rs. 50,000
• Annual fee waiver on spending Rs. 1 Lakh in the previous year
• 1% fuel surcharge across all petrol pumps in India, on transactions from Rs. 500 up to Rs. 4,000, up to Rs. 250 per month
• Tap & Pay with Ease: Tap the card on a secure reader for instant transactions
• Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer outstanding balances of other banks’ credit cards to the Tata Neu Plus SBI Card at a lower interest rate and repay in easy EMIs

Pros

• Convert purchases 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

Pros

• Welcome benefits worth the joining fee
• Up to 7% value-back as NeuCoins
• Enjoy benefits across multiple brands covering different spending categories
• 1% saving on UPI transactions with the Rupay variant

Cons

• No Golf Benefits
• No International Airport Lounge Access
• For some users brand benefits could be restricted
• No milestone or renewal benefits