RBL Bank CA SuperCard vs AU Bank LIT Credit Card

* Avail 1 Reward Points on every Rs. 100 spent for all spends except Fuel 
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet Load. The maximum cap is 1,000 Reward Points
* Earn 10 Reward Points for every Rs. 100 spent on Dining 
* Avail Gift Voucher worth Rs. 1,000 on every 1 lakh spent starting Rs. 4 lakhs (Assuming spends of Rs. 4,00,000. Get Gift Voucher worth 1,000)
* Avail 1+1 free movie ticket once a month (up to Rs. 200) on BookMyShow
* Get a fuel surcharge waiver of up to Rs. 100 per month
* 4 Complimentary Domestic Lounge Access in a year. The maximum limit of 1 complimentary airport lounge access in a quarter
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to CA SuperCard at lower interest rates and convert it into EMIs
* The Xpress Cash is a unique feature which enables you to get instant loan within your credit limit. Pay it back in easy installments and enjoy a host of benefits like document free process and paperless money transfer

• Gain 10X or 5X reward points on all online domestic and international retail transactions
• Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
• Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
• Avail 1 Reward Point per Rs. 100 on other spends including insurance
• Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

• Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
  a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
  b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
  c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
  d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  
• Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  
• Maximum cashback of Rs. 1,000 per category over a period of 30 days
  
• Avail up to 4 complimentary domestic lounge visits per 90 days
  
• Avail 3 months membership of ZEE5 
  
• Avail 3 months membership of Amazon Prime
  
• Avail 3 months membership of Cult pass Live subscription for home live workouts
  
• Zero lost-card liability 
• Credit Shield can be availed up to Rs. 1.5 lakhs

Pros
* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

Cons
* No golf benefits
* No airmiles

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure