RBL Bank vCard vs BPCL SBI 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

• 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 upto Rs. 4,000
• 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies & Dining
• Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
• Flexible Instant Redemption Program at select 1200 BPCL petrol pumps
• 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

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

• With Flexipay, convert your transactions in easy monthly installments
• With Easy Money Facility, get a draft or cheque against your cash limit and get it delivered to your location 
• Renewal Fee reversible if annual spends for last year ≥ Rs. 50,000

Cons

• No Golf/coaching sessions
• After exhausting the complimentary visits, Airport Lounge visits Internationally through the Priority Pass Program, will be charged with a usage fee of $27 per visit + applicable taxes