Compare AU Small Finance Bank Vetta Credit Card vs SBI Miles Credit Card

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Beneﬁts: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Beneﬁts: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

As a Welcome Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
Get 2 Travel Credits for every Rs. 200 spent on travel
Get 1 Travel Credits for every Rs. 200 on all other spends
You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
Low Foreign Currency Mark-up Charge of 3.00% on International usage
1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles

Pros

Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons