Etihad Guest SBI Premier Card vs HDFC Bank Biz First Credit Card

• Avail discount up to 10% (3% on Economy Class and 10% on Business class) on direct Etihad Airways booking
• Annual membership fee reversal from second year onwards will happen if you spend minimum of Rs. 5,00,000 in a year
• Complimentary overseas air accident coverage of Rs. 50 Lakh
• Complimentary Fraud liability cover of Rs. 1 Lakh

• Up to 55 days Interest Free Credit Period
• Earn cashpoints on your everyday Business spends:

A. 3% CashPoints on EMI Spends (Earn Maximum 1,000 CashPoints/Calendar month)

B. 2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions (Earn Maximum 500 CashPoints/Calendar month)

C. 1% CashPoints on all other spends including UPI spends (Earn Maximum 500 CashPoints/Calendar month) 

• Additional Benefit for your Business: Make GST payment using Business Credit Card:  

A. Pay Income Tax/ Advance Tax using Business Credit Card

B. SmartBuy BizDeals:  Avail up to 40% savings on Business travel and software purchase on smartbuy.hdfcbank.com/business  

C. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

D. Business Productivity Tools via – Nuclei :  

-  Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more  

- Get GST Invoice for availing Input Tax Credit  

• Make UPI Payments using the RuPay Biz First Credit Card and enjoy 1% Cash Point benefits
• Card Activation Benefit: Obtain Gift voucher worth Rs. 250 on making one transaction on the Biz First Credit card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy, and more 
• Milestone Benefits:

A. Get 2000 CashPoints every quarter on your quarterly spends of Rs. 75,000 & above

• Get 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
• Dining Benefits: Avail up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via Swiggy App using the card (20k + restaurants)
• Avail up to 5% Cash Back on travel/online shopping on SmartBuy
• SmartPay: SmartPay is an automatic payment facility available on the Credit Card to pay utility bills. Get assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
• HDFC Bank Biz First Credit Card provides the option to convert big spends into EMI after purchase
• Easy EMI: Choose EMI option for large online or in-store purchases using the Biz First Credit Card and avail easy repayments using Easy EMI.
• Zero Lost card liability
• Business Insurance Benefit: Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes the following:

A. Fire & Burglary insurance for Shop up to Rs. 5 lakhs

B. Cash in Safe/Transit up to Rs. 25,000

C. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

D. Hospital Cash: Accident only amount payable per day up to Rs. 1000

E. Hospital Cash: Illness only amount payable per day up to Rs. 1000

F. Cardholders have the option to choose higher Business Insurance cover as per their Business need

Pros

• Enjoy the privilege of instantly redeeming miles to book flights, hotels, car rentals from the participating travel partners or for purchasing amazing products at etihadguest.com.
• Access over 1000 Airport Lounges worldwide
• Up to 10% discount on travel rewards miles redemption

Cons  

• No golf/coaching sessions
• Joining fee Rs. 4,999

Pros

• Earn cashpoints on your everyday Business spends
• Avail up to 5% Cash Back on travel/online shopping on SmartBuy
• Avail Business Insurance package starting at an annual premium of Rs. 3,785

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access