Compare SBI Elite Credit Card vs HDFC AllMiles

On achieving annual spends of Rs. 5 lakhs and 8 lakhs, earn 15,000 bonus Reward Points
Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
Complimentary membership to the Priority Pass Program worth $99
Six complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
Enjoy obtaining Club Vistara Silver membership as complimentary

The first year’s membership will be free only by spending Rs. 15,000 within the first 90 days
Renew membership for free by spending Rs. 1,00,000 in a year
Accumulate Three reward points for every Rs 150 you spend
2x reward points will be given for hotel bookings, mobile recharge, and shopping
On fuel transactions get 1% Fuel Surcharge waiver. Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle
With the EMV Chip Card technology, you'll stay protected against unauthorized use of your credit card
If you lost your credit card, be assured of zero liability after reporting the loss
Avail up to 50 interest-free days from the date of purchase (subject to the submission of charge by the merchant)
Obtain Revolving Credit at a nominal interest rate
Priority Pass - Charge of $27 + taxes, will apply on all the lounge visits exceeding the complimentary cap

Pros

Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
Earn nearly 50,000 Bonus Reward Points worth Rs. 12,500 per year
On achieving annual spends of Rs. 3 lakhs and 4 lakhs, earn 10,000 bonus Reward Points

Cons

High joining/renewal fees
Although the Credit Card offers savings on rental cars on Hertz & Avis, which is good, but in India, there’s no much scope for it

Pros