Etihad Guest SBI Card vs IDFC FIRST Millennia Credit Card

• Avail complimentary Etihad Guest Silver tier status post first card
• Three Etihad Guest Miles you'll earn on every Rs. 100 spent on Etihad.com, earn Two Etihad Guest Miles on every Rs. 100 spent on International spends, and One Etihad Guest Mile on every Rs. 100 spent on other spends
• Avail discount up to 10% (3% on Economy Class and 10% on Business class) on direct Etihad Airways booking
• Gain discount of 5% on travel rewards miles redemption
• Complimentary overseas air accident coverage of Rs. 25 Lakh

• Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
• Get 3X  Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
• Use the Reward points to instantly pay for online or in-store purchases
• Get 1X Reward Points on Insurance premium payments and Utility bill payments
• Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
• Get 4 complimentary Railway lounge visits per quarter
• Avail complimentary Roadside Assistance worth Rs. 1,399
• Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
• Enjoy 300+ Merchant offers all year long
• Up to 20% discount at 1500+ restaurants 
• Up to 15% discount at 3000+ Health & Wellness outlets
• Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege

Pros

• Benefit from Instant discount and Insurance facilities
• Enjoy the Privileges and features provided on the Etihad Guest SBI Card
• In a year, spend minimum of Rs. 3,00,000 and get annual membership fee reversal second year onwards

Cons

• No Golf/Coaching sessions

Pros

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

Cons

• No milestone benefits
• No Airport Lounge Access