RBL Bank vCard vs AXIS Bank IOCL Rupay Credit Card

* Make merchant payments and manage the Credit Card through vCard Mobile App, which has the following benefits: Make merchant payments while you’re on the go and gain rewards for all your spends
* Instantly, transfer funds in your own account via vCard App
* From the vCard App, conveniently convert card spends into EMIs
* Avail 1 Reward point on every Rs. 100 spent and redeem the points for products you desire at www.rblrewards.com
* Once a month for Wednesday shows, avail 1+1 free movie ticket, up to Rs. 200, on BookMyShow
* Earn 10% value back on spends at Pizza Hut online & Domino’s online on Wednesday only
* Earn 5% value back on groceries spends, applicable only on Wednesday
* Maximum 1,000 bonus Reward Points each for Groceries and Pizza spendings in a billing cycle
* Milestone Benefit: Earn 4,000 bonus reward points on crossing spends of Rs. 1.2 lakh in a year. The reward points are redeemable for vouchers worth Rs. 1,000
* Avail fuel surcharge waiver of Rs. 100 per month for fuel transactions between Rs. 500 - Rs. 4,000

*As a welcome benefit, get 100% Cashback up to Rs 250 on all fuel transactions in the first 30 days of issuing of the card

* Waiver of 1% fuel surcharge on fuel spends between Rs. 200 to Rs. 5000

* Get 10% instant discount for movie tickets booked through BookMyShow website or app

* An annual fee waiver applicable if the cardholder spends over Rs. 50,000 in a year

* Users can get loyalty points in the form of 1 EDGE REWARD point on every Rs. 100 spent with the card

* Domestic airport lounge access

Pros
* Make merchant payments while you’re on the go and avail rewards points for all your spends
* 10% value back on spends at Pizza Hut online & Domino’s
* 1+1 free movie ticket

Cons
* No golf privileges
* No airmiles
* No airport lounges benefits

Pros

* Earn 20 Reward Points per Rs 100 spent at any IOCL outlet in India

* Get 10% instant discount for movie tickets booked through BookMyShow website or app

* Gain reward points worth 1% (5 Reward Points) for every Rs. 100 spent on online shopping, groceries, utility payments, and 1 reward point for every Rs. 100 spent on all other expenses

Cons

* No International Airport Lounge access

* No Golf benefits

* No travel miles benefits