HDFC Doctor’s Superia Credit Card vs SBI Elite Credit Card

• Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
• Enjoy 50% more reward points on dinner spends.
• Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
• Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.

• 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

Pros

• Renewal Benefit: 1000 reward points
• Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
• Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

• No golf/coaching sessions
• No complimentary Airport 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