RBL Bank Doctor’s SuperCard vs HDFC Moneyback 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

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

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

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%