SBI Unnati Credit Card VS RBL Bank EasySaver Credit Card VS RBL Bank MyFirst Credit Card VS RBL Bank QuickPay Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
SBI Unnati Credit Card
RBL Bank EasySaver Credit Card
RBL Bank MyFirst Credit Card
RBL Bank QuickPay Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Ideal for new credit users or those aiming to build a strong credit history effectively.
Enjoy zero annual fees for the initial four years, making it a cost-effective choice.
Receive Rs. 500 cashback on annual spends of Rs. 50,000, rewarding consistent usage.
Earn 1 Reward Point for every Rs. 100 spent across all categories, offering steady rewards.
Facilitates a seamless transition to digital payments with its contactless Tap & Pay feature.
Pros
Key benefits and features.
Earn accelerated reward points on essential education and bill payments.
Benefit from a monthly fuel surcharge waiver, saving on daily commutes.
Receive 1,000 welcome reward points upon meeting initial spend criteria.
Access the 'Easy Cash' facility for convenient ATM withdrawals when needed.
Offers significant savings on recurring expenses, enhancing everyday value.
Pros
Key benefits and features.
Offers 8 Reward Points for every INR 400 spent on Education and Bill Payments.
Provides a fuel surcharge waiver of up to INR 100 per month, beneficial for commuters.
Includes a welcome benefit of 2,000 Reward Points, adding initial value to the card.
Features "Easy Cash" for unlimited ATM withdrawals of available cash limit.
Offers 2.0% cashback equivalent on Utilities, enhancing savings on essential services.
Pros
Key benefits and features.
The RBL Bank QuickPay Credit Card features a very low joining fee of just ₹99 + GST.
New users receive an attractive 20% cashback welcome offer on their initial UPI transactions.
It offers a straightforward rewards structure, earning 1 Reward Point for every ₹200 spent.
Cons
Key drawbacks and limitations.
The SBI Unnati Credit Card does not offer any specific welcome benefits upon joining.
A redemption fee of Rs. 99 is charged for each reward point redemption request.
High foreign currency markup of 3.5% makes international spending less attractive.
Reward points are not earned on fuel, cash advance, balance transfer, or Flexipay transactions.
Requires a fixed deposit of Rs. 25,000 or more, limiting access for some users.
Cons
Key drawbacks and limitations.
High finance charges of 47.88% per annum can lead to substantial debt.
A reward redemption fee of INR 99 + GST is levied on point redemptions.
Many categories, including fuel and insurance, are excluded from earning rewards.
Lacks premium benefits like airport lounge access or milestone rewards.
No bundled insurance covers for travel, health, or credit liability.
Cons
Key drawbacks and limitations.
High finance charges of 47.88% per annum make it costly for outstanding balances.
Lacks premium benefits like airport lounge access, golf, or bundled insurance covers.
No milestone benefits, limiting additional rewards for high spenders on this card.
Reward points are not earned on numerous categories, reducing overall utility.
A reward redemption fee of INR 99 + GST is applicable per redemption day.
Cons
Key drawbacks and limitations.
The RBL Bank QuickPay Credit Card lacks premium benefits like lounge access, dining, or travel perks.
Reward point accrual is excluded for many common categories such as fuel, utilities, and insurance.
The card has a relatively low reward rate, offering limited value on general spending.
Eligibility for the QuickPay Credit Card is restricted to existing RBL Bank cardholders.
A separate fee of ₹250 + GST is charged for the issuance of a physical card.