SBI Elite Credit Card vs JetPrivilege HDFC Bank Signature/World

• 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

• Renewal benefits are as follows:

A. Continue getting 3,000 InterMiles upon spending Rs. 6,000 with in first 30 days of Anniversary date

You can also save lots on Flight & Hotel bookings as described below:

A. Rs. 750  Flight Discount vouchers

B. Rs. 1000  Hotel Discount vouchers 

• Spend Rs. 3 lakh within 12 months of the Card setup date or within 12 months of Card renewal date to get the renewal fee for the next year waived off
• Gain 6 InterMiles on every Rs. 150 spent on retail spends
• Gain 12 InterMiles on every Rs. 150 spent on every flight ticket booked on http://flights.intermiles.com
• Gain 12 InterMiles on every Rs. 150 spent on every Hotel booked on Interbook.intermiles.com
• Get 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com
• Get 10% discount on Etihad Airways Business Class tickets booked on https://flights.intermiles.com
• Get 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com
• Domestic Lounge Program: Get access to selected lounges at airports in India with HDFC Bank’s network partners
• VISA Lounge Program: Obtain 16 complimentary visits Per Year (4 per quarter)
• MasterCard Lounge Program: Obtain 16 complimentary visits (4 per quarter)
• Priority Pass Membership: Get the Priority pass membership that provides complimentary enrollment worth $99 into the Priority Pass Program allowing preferential access to more than 600 airport lounges around the world. Primary Card holders can get up to 5 free visits to the International Lounges every year
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on minimum transaction of Rs. 400, and the waiver is capped at Rs. 500 every billing cycle
• Zero liability on lost Card
• Enjoy Revolving Credit at an interest rate of 3.6% per month
• Up to 50 days of free credit period from the date of purchase
• Avail up to 3 Add-on Cards for immediate family members (over 18 years)
• Save up to 20% on dining bills paid through Dineout Pay (15% Dineout Discount + Additional 5% HDFC Bank Discount):

A. Maximum discount per transaction capped at Rs 1000

B. Maximum discount per customer per month capped at Rs 1000

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

• Joining bonus and renewal benefit
• Base Fare Waiver
• Airport Lounge Access

Cons

• High interest rate
• No golf privileges