Max SBI Card PRIME vs HDFC Millennia 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.

• You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
• Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
• Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
• Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
• 2.5% CashBack on all online spends
• 1% CashBack on all offline spends and Wallet reloads
• 8 Complimentary Domestic Lounge Access per calendar year
• Complimentary Domestic Airport Lounge access annually
• Experience the Good Food Trail Dining program at premium restaurants across top cities.
• 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle) 
• Enjoy up to 50 days of the interest-free period from the date of purchase 
• If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Please note: The CashBack will be given in the form of CashPoints

• The redemption against the statement balance: 1 CashPoint = Rs. 1
• Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
• Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30

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

• Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
• The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
• Revolving Credit is available at a nominal interest rate

Cons

• No golf/coaching sessions
• The Cash Points are only valid for 1 year from the date of accumulation 
• Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum