HDFC Platinum Times Credit Card vs SBI Elite Credit Card

• HDFC Bank Times Platinum Credit Card is enabled for contactless payments
• Fuel Surcharge Waiver
• Zero liability on the lost card
• Get up to 50 days interest-free from the date of purchase (subject to the submission of the charge by the Merchant)
• The Reward points are valid for 2 years from the date of accumulation
• You can register the Platinum Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. With this service you’re ensured that all the utility bills are paid on time, conveniently and easily

• 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

• 25% off on movies and up to 20% off on dining participating restaurants
• Live GPS location-based offers 365 days on Times Card WebApp
• 3 Reward Points for every Rs. 150 spent; 10 Reward Points for Rs. 150 spent on weekday dining

Cons

• No complimentary Airport Lounge access  
• No Golf Privileges 

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