RBL Bank Paisa On Demand Credit Card vs BPCL SBI Card

* With Paisa On Demand account and card one can instantly transfer funds to your bank
* Gain lots of Rewards for all your spends
* Transfer as low as Rs. 3000, or as high as the credit limit, to the registered bank account
* Pay the amount back in easy EMIs 
* Use RBL Bank Paisa On Demand Card to purchase stuffs online or swipe at retail stores
* The card benefits are Swipe / Transfer / Withdraw
* Pay interest only on the amount that is used
* Earn Reward Points for all domestic and international purchases and redeem them for desired products at www.rblrewards.com
* Get 1 reward point for every Rs. 100 spent on purchases at merchant outlets
* Get 2 reward points for every Rs. 100 spent on online purchases

• Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile rewards catalogue
• 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 up to Rs. 4,000
• Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month
• Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
• Flexible Instant Redemption Program at select 1200 BPCL petrol pumps
• 4.25 % Valueback (13X* Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000), at any BPCL petrol pump across India. Maximum surcharge waiver of Rs. 100 in a month, which is equivalent to an Annual Savings of Rs. 1200. Surcharge Waiver applicable only on transactions up to Rs. 4,000/- for a max of Rs. 100 per month. Annual Savings of 70 liters of fuel
• 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
• With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your BPCL SBI Card , and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
• Renewal Fee reversible if annual spends for last year ≥ Rs. 50,000

Pros
* Avail 1+1 free movie ticket every month up to Rs. 200 at BookMyShow for Saturday & Sunday shows
* Annual Spends Bonus: Up to 10 times in a year, avail Bonus 2000 Reward Points on spends of every Rs. 1 Lakh
* Fuel Surcharge Waiver: For fuel purchases made between Rs. 500 and Rs. 4,000 (inclusive of both the amounts and excluding the surcharge amount) the Cardmember gets fuel surcharge waiver. The waiver on the fuel surcharge is up to Rs. 100 every month

Cons
* No golf benefits
* No airmiles
* No complimentary airport lounge access

Pros

• 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 up to Rs. 4,000
• Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month

Cons

• No golf benefits
• No complimentary airport lounge access