Spar SBI Card PRIME vs HDFC Bank Harley-Davidson Diners Club Credit Card

• Cumulative milestone benefits up to 58,000 RP worth Rs 14,500
• On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points
• On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points
• On annual spends of Rs 100,000 across all Landmark Stores, earn 12,000 bonus Reward Points
• 1% Fuel Surcharge Waiver 

• Get 5X Reward Points on Swiggy and Zomato. You can earn a maximum of 2500 Reward Points every month
• Avail up to 10X Rewards on Booking flight tickets / stays across 150+ hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
• Interest Free Credit Period: Get up to 50 days of interest free credit period 
• Credit Liability Cover of Rs. 9 lakh
• Enjoy Foreign Currency Markup at a nominal 2% on all foreign currency spends
• Revolving Credit is available at a nominal interest rate
• Get 2 Complimentary Airport lounge access every calendar quarter worldwide for primary and add-on card members
• ‘Buy 1 Get 1 Free' offer on BookMyShow: Purchase 1 Ticket, and get another ticket free up to Rs. 250 per booking. This offer can be used maximum twice every month on minimum purchase of 2 tickets in a single transaction. It is valid only on Friday, Saturday and Sunday shows
• As a Milestone Benefit, avail Rs. 1,500 worth vouchers of Marriott Experience or Decathalon or Barbeque Nation or O2 Spa or Lakme Salon on spends of Rs. 1.5 lakhs in a calendar quarter
• Avail the option to convert big spends into EMI after purchase
• Accidental Air Death Cover worth Rs. 1 Crore
• Emergency overseas hospitalization up to Rs. 25 lakhs
• Travel Insurance Cover of up to Rs. 50,000 on baggage delay
• Credit Liability cover up to Rs. 9 Lakh
• Get 4 Reward Points for every Rs. 150 retail spends
• Earn 20 Reward Points on every Rs. 150 spends on Swiggy and Zomato
• Earn up to 10X Reward Points on Spends Via Smartbuy
• Avail up to 20% off on all restaurant bill payments via Swiggy Dineout. Choose from 20000 + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. It is valid only on payments done via the Swiggy App

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome Benefits include getting 12,000 bonus reward points equivalent to Rs. 3,000 on payment of Annual Fees
• Spar SBI Card PRIME can be used in over 24 million outlets globally, including 3,25,000 outlets in India
• Avail 20,000 bonus Reward Points on annual spends of Rs 180,000 across all Landmark Stores               

Cons 

• No Golf/coaching sessions
• Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits

Pros

• Airport lounge access for both primary and add-on cardholders
• Good benefits related to movies and food
• Accidental Air Death Cover worth Rs. 1 Crore, Emergency overseas hospitalization up to Rs. 25 lakhs, and Travel Insurance Cover of up to Rs. 50,000 on baggage delay

Cons

• No Golf benefits
• No fuel benefits
• Although the card is centered around Harley Davidson, it doesn’t offer much benefits like accelerated Reward Points for purchases made at the motorcycle store