Lifestyle HC SBI Card vs IDFC FIRST Millennia Credit Card

• 1% fuel surcharge waiver
• Earn 1,000 bonus Reward Points on annual spends of Rs 20,000 across all Landmark Stores
• Earn 2,000 bonus Reward Points on annual spends of Rs 45,000 across all Landmark Stores
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores

• 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

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert the Reward Points into Landmark rewards and get dual benefit
• Get 5 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
• Cumulative milestone benefits up to 16,000 RP worth Rs 4,000                                                                                                      

Cons 

• No Airport Lounge access 
• No Golf/coaching sessions

Pros

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

Cons

• No milestone benefits
• No Airport Lounge Access