Tata Croma Titanium Card vs Reliance SBI Card

• 500 Empower points on spends of Rs. 2,000 in the first 60 days
• 1.5% Value back on spends @ Croma & cromaretail.com
• Up to 5% Value back on spends on Tata Outlets
• 3X Points on Departmental and Grocery stores 

• Milestone Benefits include getting a waiver of renewal fees on annual spends on Reliance Retail outlet of Rs. 1 Lakh in the previous year. Get Rs. 500 worth Reliance Retail Voucher on Annual Spends of Rs. 25,000 at participating Reliance Retail Stores, Rs. 750 worth Reliance Retail Voucher on Annual Spends of Rs. 50,000 at participating Reliance Retail Stores, and Rs. 1,000 worth Reliance Retail Voucher on Annual Spends of Rs. 80,000 at participating Reliance Retail Stores
• Get 5 Reward Points per Rs. 100 spent on the participating Reliance Retail Stores (except on UPI payments) and (subject to the Reliance Retail Stores MIDs received from partner and mapped in SBIC system)
• Get 5 Reward Points per Rs. 100 spent on Dinning and Movies
• Get 1 Reward Points per Rs. 100 spent on other retail purchases (except fuel, property rental, wallet upload) 
• Avail 1% surcharge at all petrol pumps for transactions between Rs. 500 and Rs. 4,000
• Other Benefits: Transactions offers at participating Reliance Retail Stores. Redeem the Rewards Points against Reliance Retail Vouchers
• Reliance SBI Card SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
• Transfer outstanding balance of other banks’ credit cards to Reliance SBI Card, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay

Pros

• Welcome Benefits 
• Up to 5% Value back on spends on Tata Outlets
• 3X Points on Departmental and Grocery stores

Cons

• High-interest rate
• No Airport Lounge access 
• No Golf games

Pros

• 5 Reward Points per Rs. 100 spent on Dinning and Movies
• Get 1 Reward Points per Rs. 100 spent on other retail purchases
• Milestone Benefits

Cons

• Mostly Reliance SBI Card is mainly beneficial for those who make regular purchases from Reliance stores
• No golf or cashback benefits
• No airport lounge access