RBL Platinum Delight Credit Card vs Paytm SBI Credit Card SELECT

• Reward on all purchases
• Monthly Bonus Reward Points
• Annual Spend Benefit
• Fuel Surcharge Waiver
• Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift
• Earn Two Reward Points for every Rs.100 spent on all your purchases
• Avail Four Reward Points for every Rs.100 spent during the weekends!
• A welcome benefit of 4000 Reward points will be credited on payment of Joining Fee and first swipe of the card. Reward points are not accrued on fuel spends.
• Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
• Drive wherever you desire and gain more with savings on fuel spends- Enjoy fuel surcharge waiver at any petrol pump in India. Valid for fuel transactions between Rs.500 and Rs.4000. Maximum waiver of Rs. 150 per month.
• Explore the wide range of exclusive benefits offered by Platinum Delight Credit Card that has an annual fee of Rs.1000.
• Next year fee will be waived on crossing spends of Rs.1.5 Lakh in the previous year. 

NOTE: Enjoy 2X Rewards on weekends, 1000 bonus rewards every month and waiver of fuel surcharge

• Welcome Benefits of Paytm SBI Credit Card SELECT includes availing benefits up to Rs. 75,000 with a complimentary Paytm First Membership. You'll also get Rs. 750 as Cashback in Paytm Wallet. The Paytm First Membership will be given only upon the card activation by making a transaction with the card
• Get 5% Cashback on Paytm Mall, Movies and Travel
• Avail 2% Cashback on all other purchases on Paytm App
• On any other spends done offline and online stores, get 1% Cashback
• Percentage cashback will be earned in the form of Reward Points on minimum transaction size of Rs. 100 each that are automatically redeemed as Paytm Gift Voucher balance
• Stay protected with an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 2,00,000
• Milestone Benefit: Obtain complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000. The cardholder can get eligible for Milestone Gift Voucher of Rs. 2,000 and Rs. 4,000 after achieving annual milestone retail spends of Rs. 4,00,000 and Rs. 6,00,000 for the eligible year, respectively
• All eligible Paytm SBI Cardholders will be able to choose any one of the following electronic Gift Voucher (EGV) Options worth Rs. 2,000 and Rs. 4,000 Milestone Gift: Hush Puppies/Bata and Pantaloons
• Avail complimentary Priority Pass worth US $99 for the first two years of cardholder membership. Priority Pass Lounge Charges: Airport Lounge visits within India through the Priority Pass Program will be charged with a usage fee of $27 per visit + applicable taxes. Moreover, after exhausting the complimentary visits, every Airport Lounge visits outside India through the Priority Pass Program will be charged a usage fee of $27 per visit + applicable taxes
• Avail 4 complimentary domestic lounge visits (Restricted to 1 per quarter)

Pros

• Reward on all purchases
• Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
• Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge Access

Pros

• Get 1% Fuel Surcharge waiver for transactions between Rs. 500 and Rs. 4000. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
• Surcharges for Railway Tickets - Railway Counters: Rs. 30 + 2.5% of the transaction amount
• Surcharges for Railway Tickets(irctc.co.in ): 1% of the transaction amount plus all applicable taxes

Cons

• No complimentary Golf course access or classes