Lifestyle HC SBI Card vs IndusInd Bank PAYBACK 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

• Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
• 1% fuel surcharge across all petrol pumps in India
• Auto assist
• Complimentary personal air accident insurance cover of up to Rs 25 lakh
• Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card 

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

• Avail exciting rewards on dining, shopping, entertainment and more: 

1. Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
2. Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
3. Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
4. While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent

• Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
• Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year

Cons

• No Airport Lounge Access 
• No Golf Privileges