Spar SBI Credit Card vs HDFC Bank World MasterCard Credit Card

• Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
• On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
• On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
• 1% fuel surcharge waiver 

• Avail free access to over 600 global airport lounges with complimentary Priority Pass membership
• Earn 2 reward points for every Rs. 150 spends
• Avail 50% more rewards for every Rs. 150 spends above Rs. 75,000 per statement cycle
• Save up to Rs. 8300 on lounge access and fuel costs every year
• Get up to three add-on cards free for your family
• With the EMV Chip technology in the card, stay protected against fraud
• Zero liability on lost card
• Avail 50 days of interest-free credit from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees 
• Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores                       

Cons 

• No Golf/coaching sessions
• Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes 

Pros

• Avail free access to over 600 global airport lounges with complimentary Priority Pass membership
• Earn 2 reward points for every Rs. 150 spends
• Avail 50% more rewards for every Rs. 150 spends above Rs. 75,000 per statement cycle

Cons

• No golf benefits
• No insurance benefits
• No cashback offers