Tata Titanium Card vs Klick RuPay Credit Card

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

• Zero Joining Fees and Annual Fees
• 1% Fuel Surcharge Waiver
• Earn 2 YES Rewardz Points for every Rs. 200 spent on eligible non-UPI transactions
• Get rewarded for all your non-UPI transactions
• Earn reward on non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates
• Get a loan amount within the card limit to fulfil immediate fund requirements
• Enjoy secure digital payments through a 100% virtual RuPay credit card; no physical card is issued
• Convert eligible transactions of Rs. 1,500 or more into EMIs through the Instant EMI facility
• Eligible cardholders can obtain a Quick Loan within their available credit limit
• Set up recurring payments for bills and subscriptions through YES PayNow and the e-mandate facility
• Existing YES BANK credit-card holders are not eligible for the Klick Credit Card

Pros

• Welcome Benefits 
• Get amazing offers and gift vouchers from Tata partner outlets and other brands
• 1.5% Value back on spends at Croma & cromaretail.com

Cons

• High-interest rate
• No  airport lounge access 
• No Golf games

Pros:

• Lifetime Free Credit Card
• 2 Rewards for every Rs. 200 non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates

Cons:

• No international or domestic lounge access
• No Golf Benefits
• No Movies and Entertainment, and Dining Benefits