Spar SBI Credit Card vs IndusInd Platinum RuPay Credit Card

Joining Fees

₹499

₹0

Editor's Rating

2.5

4.5

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 
  • UPI is enabled on this Credit Card
  • 1% Fuel Surcharge Waiver
  • Avail 2 Reward Points on every Rs. 100 transaction done via UPI
  • Avail 1 Reward Point for every Rs. 100 on non UPI transactions
  • Avail Rs. 0.70 for every Rs. 100 on selected merchant categories. This is applicable for UPI and Non-UPI transactions
  • IndusInd Bank in association with The Oriental Insurance Company Ltd, bring you insurance coverage that includes lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection
  • Enjoy the facility of Total Protect that covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud
  • Complimentary personal air accident insurance cover of up to Rs. 25 lakh

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

  • Avail 2 Reward Points on every Rs. 100 transaction done via UPI
  • Avail 1 Reward Point for every Rs. 100 on non UPI transactions
  • Total Protect covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud

Cons

  • No golf benefits
  • No airport lounge access / dining/ movie benefits


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