Etihad Guest SBI Premier Card vs IDFC FIRST Millennia Credit Card

Joining Fees

₹4,999

₹0

Editor's Rating

3

2.75

Key Features

  • 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
  • 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

Editor's Review

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

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

Cons

  • No milestone benefits
  • No Airport Lounge Access


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