Kotak Silk Inspire Credit Card vs BPCL SBI Card

• Avail 5x  Reward Points on every Rs. 100 spent on Apparels
• Pay with Reward Points at selected merchant outlets
• Spend Rs. 1, 25,000 every 6 months and avail 4 free PVR tickets or 1000 reward points
• Avail 1 reward for every Rs. 200 spent on other categories without any restrictions 

• 4.25% Value-back ~ 13X* Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
• 3.25% + 1% Fuel surcharge waiver on every transaction upto Rs. 4,000
• 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies & Dining
• Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
• Flexible Instant Redemption Program at select 1200 BPCL petrol pumps
• Transfer the outstanding balance of other banks’ credit cards to your BPCL SBI Card, and avail a lower rate of interest and pay back in EMIs

Pros

• 5% savings on apparels
• Get 1 Reward Point for every Rs.200 spent on other categories
• Silk Inspired Shield

Cons

• No Golf Privileges 
• No Concierge Services 
• No Airport Lounge access 

Pros

• With Flexipay, convert your transactions in easy monthly installments
• With Easy Money Facility, get a draft or cheque against your cash limit and get it delivered to your location 
• Renewal Fee reversible if annual spends for last year ≥ Rs. 50,000

Cons

• No Golf/coaching sessions
• After exhausting the complimentary visits, Airport Lounge visits Internationally through the Priority Pass Program, will be charged with a usage fee of $27 per visit + applicable taxes