RBL Bank Titanium Delight Credit Card vs BPCL SBI Card

* Earn 1000 additional points on spends of Rs. 10,000 within 60 days of issuance
* Avail 1 reward point for every Rs. 100 spent on all purchases like travel, groceries, dining and even on electricity bill
* In a year, use the card for purchases of Rs.1.5 lakhs or more and earn 4000 bonus reward points
* Fuel Surcharge Waiver at all fuel stations. This is valid for fuel transactions between Rs.500 and Rs. 4000. The maximum waiver is Rs.100 per month
* On a Wednesday, get 1+1 free movie ticket on BookMyShow once a month
* Purchase groceries on Wednesdays and get 2.5% value back
* Get 5% value back every Wednesday while ordering a pizza from Domino’s/Pizza Hut online

• 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
* Welcome Benefits
* Annual Spend Bonus
* Value Back for mid- week spends

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