Max SBI Card PRIME vs HDFC Bank Platinum Edge Credit Card

• While joining Max SBI Card PRIME, obtain 12,000 bonus reward points equivalent to Rs. 3,000 on payment of annual fees.
• Withdraw cash anytime from over 1 million Visa ATMs worldwide.
• With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay.
• The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home.

• Renew the credit card’s membership for free by spending Rs 50,000 in a year
• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
• Avail 50% more reward points at premium restaurants
• Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
• Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
• Zero liability on lost card after reporting the loss
• Avail up to 50 interest-free days from date of purchase
• Enjoy Revolving Credit at nominal interest rate
• 50 days of interest-free credit

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points.    
• 8 complimentary Domestic Airport lounge visits per year (subject to a max of 2 per quarter)
• Complimentary priority pass membership worth USD 99 & 4 complimentary visits per year (limited to 2 visits per quarter).                                                             

Cons 

• No golf/coaching sessions

Pros

• Get 2 reward points for every Rs. 150 spends
• Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
• Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access