RBL Bank Platinum Bonus SuperCard vs Axis Bank Select Credit Card

* Spend Based Waiver: Spend Rs. 1,00,000 in a year and get waiver for Next year Annual Fee
* 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
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail Welcome Gift Vouchers worth Rs. 6,000 on payment of joining fees and spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 1,500 Reward Points on 4 transaction of Rs. 1,000 each per month 
* Get 5,000 Reward Points on crossing spend of Rs. 1,00,000 in a year 
* 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 RBL Bank Platinum Bonus 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
* With Cash Advance program, one can satisfy its short-term cash requirements. Avail credit-free period of up to 50 days as an added benefit
* Contactless Transactions: Tap the card and instantly in a convenient way make payments at retail outlets
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* The card is equipped with a PIN-based-EMV chip
* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

• Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website. This is applicable once per month per user
• Flat Rs. 200 off on Swiggy mobile app/website. Valid twice a month on minimum transaction of Rs. 1000 per order
• 12 complimentary International Airport Lounge access via Priority Pass Membership
• 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
• Do note that the Priority Pass will renew automatically when you have met Rs. 3 lakhs spends in preceding card anniversary year
• 6 complimentary golf rounds per year. Unlock 6 additional visits by spending Rs. 3 lakhs annually
• Annual benefits: Priority Pass Membership renewal on annual spend of 3 Lakh. Renewal of offers on BigBasket and Swiggy
• Get 5000 EDGE points on spending Rs. 3 Lakhs in a card anniversary year
• Complete annual fee waiver on spending Rs. 8 Lakhs in a card anniversary year
• Get 10 Axis EDGE points on every Rs. 200 spends
• Get 2X per  Rs. 200 on ‘Retail Shopping’ spends
• Avail 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month. For transactions done above Rs. 20,000 per months earn 10 EDGE REWARD Points
• Explore curated experiences from across the world with Extraordinary Weekends
• 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month.
• Rs. 800 off and more via Axis Bank Dining Delight Program with EazyDiner
• Purchase protection up to Rs. 1 Lakh
• Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover

Pros
* Get 5,000 Reward Points on crossing spend of Rs. 1,00,000 in a year
* Rewards Hoon all spends
* Annual Rewards worth Rs. 8,750+

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

Pros

• Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website
• 12 complimentary International Airport Lounge access via Priority Pass Membership
• 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months

Cons

• High interest rate
• High joining/renewal fee