SBI Card Prime vs RBL Bank Monthly Treats Credit Card

• 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

* On crossing spends of Rs. 3,000 in a calendar year, monthly fee of Rs. 50 waived off and get 10% cashback, up to Rs. 100 per month, on grocery transactions for rest of the month
* Enjoy 2X Reward Points on online purchases
* Unlock 10% cashback on groceries, BookMyShow, Swiggy and Bill Payments every month
* Get 1 Reward Point for every Rs. 100 spent on all offline purchases except fuel
* Fuel surcharge waiver across all fuel stations. This is Valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 100 per month

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
* Monthly Spend Milestone Benefit
* Fuel surcharge waiver
* Monthly fee waived

Cons
* One can’t enjoy the cashback if it’s unable to spend Rs.3000 to Rs.5000 in a month
* Below average rewards rate
* No travel benefits such as airport lounge access or any flight discounts