RBL Bank Doctor’s SuperCard vs HDFC Infinia Credit Card

* Get Professional Indemnity Insurance Cover of Rs. 20 lakhs free for first year. To get free auto renewal of the cover, spend Rs. 3.5 lakhs in the second year
* You can convert your available cash limit into a Personal Loan for 3 months at no interest once a year. (Processing fee of 2.5% is applicable; min Rs. 500)
* Enjoy unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date, maximum period of 50 Days. (Processing fee of 2.5% is applicable; min Rs. 500)

W.e.f January 07, 2021, interest is at 1.16% per month will be applicable on Emergency Advance Facility on the SuperCard and no processing fee would be charged.

* Earn 1 Reward Point for every Rs. 100 spent on all stuffs you like
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities, Bills2Pay, and Wallet Load. Maximum Cap is 1,000 Reward Points
* In a year, spend Rs. 1 lakh and get Rs. 2000 gift voucher of biggest brands
* Earn additional Rs. 1000 vouchers on spends of Rs. 1.5 lakhs and Rs. 2 lakhs each
* Avail fuel surcharge waiver of up to Rs. 100 per month
* Avail 1+1 Bookmyshow offer on movie tickets, up to Rs. 200, on any 1 Day of the month (Applicable only on Mon-Fri)
* 4 free visit in a year at domestic lounges in all major airports in India
* Maximum limit of 1 complimentary airport lounge access in a quarter
* In a year, spend Rs. 1,00,000 and get second year annual fees of Rs. 999 reversed
* Easily set a 4-digit PIN for the Card using RBL MyCard Mobile App
* With Dial for Cash program, get cash instantly and pay back in installments. Get a pre-approved loan without blocking the credit limit of the Card. Get the advantage of multiple tenure options to pay back your loan in easy installments
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into Easy Monthly Installments (EMIs). Enjoy paying EMIs at low interest rates, without the hassle of any paperwork & at nominal processing fee
* With the facility of Transfer n Pay program, it enables you to transfer outstanding from other bank’s Credit Cards to your Doctor’s SuperCard at lower interest rates and convert it into Easy Monthly Installments (EMIs)
* Xpress Cash is a unique feature allowing to get an instant loan within your credit limit. Pay back in easy installments and enjoy a host of benefits such as document free process and paperless money transfer
* Cash Advance program fulfills your short-term cash requirements. Enjoy a credit-free period of up to 50 days as an added benefit on the Card membership. It is completely hassle-free and paperless
* Contactless payments enabled. Make payments of up to Rs. 5000 at a time using the tap & pay feature
* With RBL MyCard Mobile App, you can pay your bills, check your statements, view previous activity, pay EMIs at a click, and reset PIN for your Card
* Quick Bill Pay' option
* You can drop cheques in the cheque boxes at nearest RBL Bank Branch, or alternatively, send cheques to the RBL Bank address
* RBL Doctor’s Supercard is globally accepted and can make purchases and pay back later in Indian currency
* Access any ATM in India or Overseas that displays MasterCard/Visa/Cirrus/Maestro sign
* Card is equipped with a PIN-based-EMV chip

• You will get Welcome Benefit of Complimentary Club Marriott membership for a year which provides up to 20% discounts for Dining and Stays across Asia – Pacific region
• As a Welcome Benefit, receive 10,000 Reward Points upon fee realization
• If you spend eight lakhs or more in the preceding 12 months, you’ll get renewal membership fee waived off for next year
• Avail Renewal benefit of 10,000 Reward Points
• Complimentary unlimited airport lounge access within and outside India using the Priority Pass. The same benefit is also available for the add on priority pass holders. Through Priority Pass membership you may also use the refreshment and business centre facilities at the selected lounges
• Avail 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs.400 and Rs.1,00,000
• Enjoy lowest markup fee of 2% on all foreign currency transactions
• Avail unlimited complimentary golf games at leading courses in India and selected courses across the globe. Also, you’ll have unlimited complimentary Golf coaching at selected golf courses within India
• Enjoy the Good Food Trail dining program at some of the premium restaurants across top cities
• Earn 5 Reward Points on Rs. 150 on retail spends including Insurance, Utilities, Education, and Rent pay
• Gut 10X Reward Points on travel and shopping spends on HDFC SmartBuy
• Earn 2X Rewards Points on dining spends
• Infinia Credit Card provides Credit Shield Cover for up to 9 lakhs

Rewards Rate:

• Default Reward Rate is 3.3%
• Avail Accelerated Reward Rate of 6.6% (2X on Dining/ airvistara / hdfcbankinfinia)
• Get Accelerated Reward Rate: 33% (10X with limited partners)

Pros
* With the facility of Transfer n Pay program, it enables you to transfer outstanding from other bank’s Credit Cards to your Doctor’s SuperCard at lower interest rates and convert it into Easy Monthly Installments (EMIs)
* Xpress Cash is a unique feature allowing to get an instant loan within your credit limit. Pay back in easy installments and enjoy a host of benefits such as document free process and paperless money transfer
* Cash Advance program fulfills your short-term cash requirements. Enjoy a credit-free period of up to 50 days as an added benefit on the Card membership. It is completely hassle-free and paperless

Cons
* No golf privileges
* No airmiles
* High interest rates

Pros

• This credit card is suitable for those who’re frequent travelers
• Get Accidental Air Death cover worth Rs. 3 Crore
• If there’s an emergency overseas while, get emergency overseas hospitalization insurance up to Rs. 50 lakhs

Cons

• This credit card is suitable for those who have high earnings
• This credit card doesn’t have any monthly & annual benefits
• This credit card is by “Invite only”