BOB Financial PREMIER vs SBI Miles Credit Card

• 5X rewards on travel, dining and abroad; 2 Reward points on others
• Complimentary airport lounge, 24x7 concierge
• Zero fuel surcharge
• Fuel surcharge waiver
• Zero annual fees basis card usage

• 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

• Convert purchases more than Rs. 2,500 on the card into easy EMIs of 6/12 months
• 3 lifetime free add-on cards
• Free Personal Accidental Death Cover

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

• No golf benefits
• No cashback benefits
• No movie or dining benefits