Etihad Guest SBI Premier Card vs HDFC Bank Diners Club Black Metal Edition 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

* Unlimited Airport lounge access in India and worldwide for primary and add-on card members
* 6 Complimentary Golf games every quarter across the finest courses in the world 
* Obtain complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit (This benefit can be availed by spending Rs. 1.5 Lakh within the first 90 days of card issuance)
* Avail 10,000 Bonus Reward Points on spends of Rs. 4 lakh every calendar quarter
* Earn 2X Reward Points on Weekend Dining
* Earn 5 Reward Points for every Rs. 150 retail spends
* Earn up to 10X Reward Points on spends via SmartBuy
* Up to 50 days of interest-free credit period 
* Credit liability cover worth Rs. 9 lakh
* 2% on all foreign currency spends
* You can convert big spends into EMI after the purchase 
* Enjoy contactless payments on HDFC Bank POS machines 
* Air accident insurance cover worth Rs. 2 Crore
* Emergency overseas hospitalisation: Rs. 50 Lacs
* Travel Insurance Cover up to Rs. 55,000 on baggage delay beyond 8 hours for international flight 
* Get the Renewal Fee waived for the next renewal year by spending Rs. 8 Lakhs in 12 Months  
* Credit Liability Cover of up to Rs. 9 Lakh
* Fast-Track Airport Experience
* The Small Medium Enterprise (SME) program offers customized solutions like workspaces, business insurance, and wellness discounts to meet small and medium-sized businesses' needs

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

* Enjoy wonderful dining benefits with the Good Food Trail program
* Obtain up to 25% savings off on all restaurant bill payments via Swiggy Dineout 
* The Dining Delight program provides distinct dining offers ranging from gourmet cuisine to local delicacies.
* Enjoy access to some of the best spas in India at special rates

Cons

* No complimentary offers for movie tickets
* The travel benefits only come only in the form of lounge access, there are no air miles or co-branded benefits provided
* Joining fee is on higher side