SBI Card Prime vs RBL Bank ETMoney LoanPass

• Get 20 Reward Points on standing instructions of Utility Bills payments, and get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies, and earn 2 Reward Points per Rs. 100 on all other retail spends
• Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
• E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
• Enjoy complimentary Trident Privilege Red Tier Membership    
• Enjoy 10% instant saving on bookings through the hotel website, and earn 10 points for every Rs.100 spent (excluding taxes) during your stay at participating hotels
• Enjoy Complimentary Club Vistara Silver membership, and earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
• Exclusive benefits across 900 luxury hotels worldwide
• Savings of 10% off on Hertz car rental and up to 35% off on Avis Car Rentals

* Instantly transfer funds to bank account through the ETMONEY app whenever required
* Transfer loan anytime and payback with the convenience of EMI options. One can also easily convert the card spends into EMIs from the ETMONEY app
* The cardholder can pay back the money in easy EMIs within a few days or a few months
* Pay interest only on the amount that you borrow
* Get 1 Reward point on every Rs. 100 you spend and get 2X Rewards on all spends on weekends (Saturday & Sunday). Redeem all reward points at www.rblrewards.com

Pros

• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs.500-Rs.4000 across all petrol pumps
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• 4 complimentary International Airport Lounge visits, 8 complimentary Domestic VISA/Mastercard Lounges (max. 2 visits per quarter)

Cons

• General spending rewards rate: 0.50%
• Joining Fee bit high

Pros
* Earn 10% cashback on spends at Amazon, Grofers, Uber and Zomato. Maximum monthly cashback will remains Rs. 250
* Avail 1+1 free movie ticket, up to Rs. 200, on BookMyShow once a month for Weekend shows
* Fuel Surcharge waiver

Cons
* No golf privileges
* No travel benefits such as airport lounge access or any flight discounts
* No airmiles