Air India SBI Platinum Card vs IDFC FIRST Millennia Credit Card

• Avail complimentary membership of Air India Frequent Flyer Program - Flying Returns.
• For every Rs. 100 spent, get 2 Reward points
• On annual bases, get nearly 15,000 bonus Reward points
• Every year, enjoy obtaining anniversary gift of 2,000 Reward points
• Earn up to 15 Reward Points for every Rs. 100 spent on Air India tickets booked through Airindia's platforms
• Complimentary Visa Lounge Access

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• Avail 10X Reward Points on all transactions above Rs. 20,000
• Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
• Once a month, get a 25% discount on movie tickets up to Rs. 100
• Personal Accident Cover of Rs. 2 Lakh
• Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399
• 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
• 10X Rewards on all spends done on your Birthday

Pros

• Maximum surcharge waiver of Rs. 250 per statement cycle. All applicable taxes extra wherever applicable
• Stay safe with the complimentary lost card liability cover of Rs. 1 lakh
• Cherish the freedom of paying the 1% fuel surcharge that's valid across all petrol pumps

Cons

• No golf/coaching sessions

Pros

• Lifetime free credit card
• Complimentary Railway lounge access
• NIL Overlimit fees, NIL Addon charges

Cons

• No milestone benefits
• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• No Airport Lounge Access