BOI SwaDhan Rupay Platinum vs Spar SBI Card PRIME

Joining Fees

₹0

₹2,999

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 
  • Cumulative milestone benefits up to 58,000 RP worth Rs 14,500
  • On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points
  • On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points
  • On annual spends of Rs 100,000 across all Landmark Stores, earn 12,000 bonus Reward Points
  • 1% Fuel Surcharge Waiver 

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                                                                                                                                                                                                                                                                                                                                                                                                   

  • Welcome Benefits include getting 12,000 bonus reward points equivalent to Rs. 3,000 on payment of Annual Fees
  • Spar SBI Card PRIME can be used in over 24 million outlets globally, including 3,25,000 outlets in India
  • Avail 20,000 bonus Reward Points on annual spends of Rs 180,000 across all Landmark Stores               

Cons 

  • No Golf/coaching sessions
  • Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits


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