BOI SwaDhan Rupay Platinum vs Lifestyle HC SBI Card SELECT

Joining Fees

₹0

₹1,499

Editor's Rating

3.7

2.5

Key Features

  • SwaDhan Rupay Platinum Credit Card is issued against TDR
  • The Card is valid in India, Nepal and all foreign centers across the Globe, wherever Rupay logo is displayed
  • Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
  • Fuel Transaction Surcharge: 1% of transaction amount 
  • 6000 bonus reward points equivalent to Rs. 1500 on payment of Annual Fees 
  • Welcome benefits include obtaining 6000 bonus reward points equivalent to Rs. 1500 on payment of Annual Fees
  • Cumulative milestone benefits up to 34,400 RP worth Rs 8,600
  • On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points

Editor's Review

Pros

  • Redeem StarPoints to get free gifts, merchandise and services from BOI redemption platform. The platform of free gifts, merchandise and services includes: Airline tickets, Personalized products, Bus tickets, Movie tickets, Entertainment products, Electronic items, Family, Home, Fashion & Beauty products, Music and Sports products, and Limited-time Seasonal Rewardz, etc
  • Interest free credit for up to 51 days and revolving credit at preferential rate
  • EMI at POS facility available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of Bank

Cons

  • No Golf Privileges 
  • No Airport Lounge access 

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

  • Transfer outstanding balance of other banks’ credit cards to Lifestyle HC SBI Card SELECT, and avail a lower rate of interest and payback in EMIs    
  • 1% fuel surcharge waiver      
  • Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies                                                                     

Cons 

  • No Golf/coaching sessions
  • No complimentary Airport Lounge access 


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