RBL Bank Platinum Classic SuperCard vs IDFC FIRST Select Credit Card

* 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
* Enjoy the BookMyShow Offer: Get 1 + 1 free movie ticket, up to Rs. 200 once a month on any Wednesday
* Avail fuel surcharge waiver up to Rs. 100 per month
* Avail 1 Reward Points for every Rs. 100 that you spend on all you desire and like
* In a month, spend Rs. 10,000 and get 1,000 Reward Points. Redeem the points at www.rblrewards.com/SuperCard for an exciting range of gift vouchers/hotel stays/air tickets etc.
* Upcoming feature: If you desire to purchase electronic gadgets and home appliances then visit selected Bajaj Finserv partner outlet and get 5X Reward Points
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* 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 Classic SuperCard at lower interest rates and convert it into EMIs

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• 10X Reward Points on purchases greater than Rs.20,000
• 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
• 4 complimentary domestic lounge access per quarter
• 4 complimentary Railway lounge access every quarter
• Low foreign exchange mark-up fee of 1.99%
• 20% discount on 1500+ Restaurants
• 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399

Pros
* 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
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time

Cons
* No golf complimentary benefits
* No complimentary airport lounge access
* No cashback offers

Pros

• 10X Rewards on all spends done on your Birthday
• Reward points will never expire
• Comprehensive Travel Insurance Cover of Rs. 22,500
  
  Cons

• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• Interest-free cash withdrawal available for 48 days only
• The dining benefits provided by the card are satisfactory but not that great