Spar SBI Card PRIME vs HDFC Millennia 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 

• 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                                                                                                                                                                                                                                                                                                                                                                                                   

• 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

• 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