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Should I consider pre approved Sbi Simplysave Rupay Or Bpcl Rupay

Mruseless

TF Premier
So I have Sbi Cashback Visa with 1.07L, Currently I getting a pre approved simplysave and Bpcl in rupay but the catch is my father already have Simplyclick Amex.. for shopping offers with a limit of 57K but due to amex it becomes difficult to use offline even online sometime.. I don't want to split my limit of 1.07 lakh into 2 card also don't want to miss that opportunity because I recently applied simplyclick which declined..
 

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