Central SBI Select+ Credit Card vs HDFC Bank Titanium Edge Credit Card

• Central SBI Select Card Advantage
• Fast & Convenient
• Security
• Cash on the go
• Easy Bill Pay facility at zero charge
• Flexipay
• Balance Transfer on EMI
• Global acceptance
• Emergency card replacement

• Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
• Avail 2 reward points for every Rs. 150 spends
• Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
• Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
• Earn 50% more reward points as exclusive dining privileges
• Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
• Zero liability on lost card
• With the EMV Chip technology in the card, stay protected against fraud
• Avail of 50 days of interest-free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

Pros                                                                    

• Joining & Complimentary Benefits
• Renewal & Milestone Select Points
• Accelerated Select Points
• Instant Redemption

Cons 

• No Golf/coaching sessions
• No Airport Lounge access 
• High Renewal Fees

Pros

• Avail 2 reward points for every Rs. 150 spends
• Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
• Earn 50% more reward points as exclusive dining privileges

Cons

• No golf benefits
• No insurance benefits
• No airport lounge access