HDFC Bharat Credit Card vs SBI Elite Credit Card
Joining Fees
₹500
₹4,999
Editor's Rating
3.3
4
Key Features
- On Fuel expenses, enjoy savings with 5% monthly cashback.
- Get 5% monthly cashback by booking tickets through IRCTC
- On Groceries spends, enjoy savings with 5% monthly cashback, and enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge through Bharat Credit Card
- Enjoy Revolving Credit at Nominal interest rate
- Save annually up to Rs 3,600/- by just using HDFC Bank Bharat credit card
- On achieving annual spends of Rs. 5 lakhs and 8 lakhs, earn 15,000 bonus Reward Points
- Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
- Complimentary membership to the Priority Pass Program worth $99
- Six complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
- Enjoy obtaining Club Vistara Silver membership as complimentary
Editor's Review
Pros
- Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
Cons
- No Lounge Access
Pros
- Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
- Earn nearly 50,000 Bonus Reward Points worth Rs. 12,500 per year
- On achieving annual spends of Rs. 3 lakhs and 4 lakhs, earn 10,000 bonus Reward Points
Cons
- High joining/renewal fees
- Although the Credit Card offers savings on rental cars on Hertz & Avis, which is good, but in India, there’s no much scope for it
