SBI Air India Signature Credit Card vs HDFC Millennia Credit Card

• Avail complimentary membership of the Air India Frequent Flyer program-Flying Returns
• For every Rs. 100 spent, get 4 Reward points
• Every year, you'll receive anniversary gift of 5,000 Reward Points
• Get around 1,00,000 bonus Reward Points annually
• Earn 30 Reward Points for every Rs. 100 spent on Air India tickets booked via its platforms

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

• Get 30 Reward Points while doing your bookings for ownself and get 10 Reward Points while booking for others
• Enjoy International Airport Luxury Lounge Access
• Enjoy the complimentary Visa Lounge Access Program in India at major Domestic Airports
• Enjoy complimentary lost card liability cover of Rs. 1 lakh

Cons

• Joining fee of Rs. 4,999
• Annual fee of Rs. 4,999

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits