RBL Bank Platinum ShopDaily 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
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. 500 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
* 5% Cash-back on all Grocery spends 
* Cashback worth Rs. 1,000 on every 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 Platinum ShopDaily 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

• 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
* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank
* Annual Rewards worth Rs. 5000 +
* Offer on Grocery Purchases

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

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