RBL Bank Platinum Bonus SuperCard vs Kotak 811 #DreamDifferent Credit Card

Joining Fees

₹999

₹0

Editor's Rating

3.4

3.5

Key Features

* 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

  • No joining fee and annual fee
  • Get 4 reward points against every Rs. 100 of online spends
  • Get 1 reward point against every Rs. 100 of other spends
  • Interest free cash withdrawal: Withdraw cash up to 90% of the total credit limit
  • Balance Transfer: The processing fee of Rs. 349 per Rs. 10,000. Continued interest free period on fresh retail purchases. Simply call the bank to transfer other credit card balances
  • Add-on Card: Add-on Cards will have all the benefits that  is available on the main on Card
  • Fuel & Railway Surcharge waiver:  Get 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000, and 1.8%  for transactions on irctc.co.in and 2.5% Indian railway booking counters

 

The Milestone Reward Program for 811 #DreamDifferent Credit Card Rupay variant- Milestone Offer benefits will be as per below construct:

 

Spend Rs. 72,000 in a year and get Amazon vouchers up to Rs. 1000

  1. Rs. 250 voucher on spend of Rs. 36,000 in anniversary year
  2. Rs. 1000 voucher on spend of Rs. 72,000 in anniversary year

 

Existing customers will also be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year. Cardholder may select any one of the below options:

 

Redemption Option 1: Cashback of Rs. 750

  • Claim cashback within 3 months after anniversary year gets over
  • If claimed, the cashback will reflect in the next billing cycle


Redemption Option 2: 
4 free PVR tickets

  • Claim PVR tickets within 3 months after the anniversary year gets over
  • PVR tickets can be used for any day and any show and are transferrable
  • Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com

 

Editor's Review

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

  • Get 4 reward points against every Rs. 100 of online spends
  • Get 1 reward point against every Rs. 100 of other spends
  • Spend Rs. 72,000 in a year and get Amazon vouchers up to Rs. 1000

Cons

  • No complimentary golf/coaching sessions
  • No Complimentary Airport Lounge Access


More comparisions with RBL Bank Platinum Bonus SuperCard

More comparisions with Kotak 811 #DreamDifferent Credit Card

Downloads