Lifestyle HC SBI Card vs Klick RuPay Credit Card

• 1% fuel surcharge waiver
• Earn 1,000 bonus Reward Points on annual spends of Rs 20,000 across all Landmark Stores
• Earn 2,000 bonus Reward Points on annual spends of Rs 45,000 across all Landmark Stores
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores

• Zero Joining Fees and Annual Fees
• 1% Fuel Surcharge Waiver
• Earn 2 YES Rewardz Points for every Rs. 200 spent on eligible non-UPI transactions
• Get rewarded for all your non-UPI transactions
• Earn reward on non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates
• Get a loan amount within the card limit to fulfil immediate fund requirements
• Enjoy secure digital payments through a 100% virtual RuPay credit card; no physical card is issued
• Convert eligible transactions of Rs. 1,500 or more into EMIs through the Instant EMI facility
• Eligible cardholders can obtain a Quick Loan within their available credit limit
• Set up recurring payments for bills and subscriptions through YES PayNow and the e-mandate facility
• Existing YES BANK credit-card holders are not eligible for the Klick Credit Card

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert the Reward Points into Landmark rewards and get dual benefit
• Get 5 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
• Cumulative milestone benefits up to 16,000 RP worth Rs 4,000                                                                                                      

Cons 

• No Airport Lounge access 
• No Golf/coaching sessions

Pros:

• Lifetime Free Credit Card
• 2 Rewards for every Rs. 200 non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates

Cons:

• No international or domestic lounge access
• No Golf Benefits
• No Movies and Entertainment, and Dining Benefits