Spar SBI Credit Card vs Axis Bank Insta Easy Credit Card

Joining Fees

₹499

₹500

Editor's Rating

2.5

3.8

Key Features

  • Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
  • On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
  • On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
  • 1% fuel surcharge waiver 
  • Avail Visa International Global Card Assistance Services  
  • Withdrawal as much cash as required
  • Avail credit limit of your choice up to maximum of 80% of the  FD principal value 
  • No extra charge on purchase transactions for up to 50 days 
  • Any application for the Credit Card gets guaranteed approval 
  • The Credit Card is equipped with Platinum Chip contactless technology
  • 1% fuel surcharge wavier valid on transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
  • On any transactions above Rs. 2500, contact the bank to convert it into EMIs
  • Discover unique delectable cuisines with Axis Bank Dining Delights that offers  15% off at partnered restaurants in India 
  • Earn EDGE REWARD points for transactions and use them to redeem from 500+ rewards and offers
  • Earn 6 points on Domestic spends for every Rs. 200
  • Earn 12  points on International spends for every Rs. 200
  • 100  points on  the first online transaction 

Editor's Review

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

  • Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees 
  • Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores                       

Cons 

  • No Golf/coaching sessions
  • Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes 

Pros

  • Convert  purchases  to EMI
  • Avail Visa International Global Card Assistance Services
  • Get a guaranteed approval 

Cons            

  • No Golf/coaching sessions
  • No Airport Lounge Visits


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