Check below for a comparison between the SBI Prime credit card vs InterMiles HDFC Bank Platinum Credit Card or InterMiles HDFC Bank Platinum Credit Card vs SBI Prime credit card and find which is better –

Overview of SBI Prime credit card

The SBI Prime credit card, a lifestyle-oriented choice, provides users with exclusive benefits in dining and rewards.

Additionally, it grants a 1% fuel surcharge waiver for transactions falling within the Rs. 500 to Rs. 3,000 range at fuel stations nationwide, among other perks.

Concerning the reward rate, users accrue 2 Reward Points for every Rs. 100 spent with the card and an elevated 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store acquisitions.

Valued at Rs. 0.25 per point, the effective reward rate for the card becomes 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories.

Like the ELITE Card, the SBI Card Prime is available in three variants: MasterCard, American Express, and VISA.

Overview of InterMiles HDFC Bank Platinum Credit Card

Tailored for travellers, this card offers the opportunity to accrue InterMiles that can be later redeemed for various travel-related expenses, especially flight bookings.

The rewards manifest in the form of InterMiles, and the card extends benefits like earning discounts on hotel reservations.

With an initial joining fee of Rs. 1,000, users can relish attractive welcome perks such as Bonus InterMiles and vouchers for reduced rates on both hotel stays and flights.

Additionally, cardholders gain complimentary access to airport lounges across India and exclusive dining privileges.

Moreover, depending on the expenditure made using the InterMiles HDFC Bank Platinum Credit Card, the renewal fee of Rs. 1,000 has the potential to be waived.

SBI Prime credit card vs InterMiles HDFC Bank Platinum Credit Card

Features/Charges	SBI Prime credit card	InterMiles HDFC Bank Platinum Credit Card
Joining Fees	Rs. 2,999	Rs. 1,000 + tax
Annual Fees	Rs. 2,999	Rs. 1,000 + tax
Welcome Benefits	Welcome aboard with an exclusive perk – an e-gift voucher worth Rs.3,000 accompanies the issuance of this card.	Receive up to 3,000 InterMiles points upon settling the joining fees and in accordance with your yearly expenditures.
Cashback / Rewards point	Concerning the reward rate, users accrue 2 Reward Points for every Rs. 100 spent with the card and an elevated 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store acquisitions. Valued at Rs. 0.25 per point, the effective reward rate for the card becomes 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories. Like the ELITE Card, the SBI Card Prime is available in three variants: MasterCard, American Express, and VISA.	Accumulate 4 reward points or InterMiles points when you spend Rs. 150 in retail transactions. Additionally, earn double the InterMiles points when booking flights and hotels for transactions of Rs. 150 through Intermiles.com.
Dining benefits	Earn a Pizza Hut voucher worth Rs.1,000 by making purchases over Rs.50,000 in a quarter, coupled with a generous fivefold surge in reward points for dining at select restaurants.	N/A
Travel benefits	Access complimentary Club Vistara and Trident Privilege Memberships, along with the perk of eight complimentary visits to domestic airport lounges annually using this card.	Enjoy free entry to domestic lounges by utilizing this card.
Annual fees waiver	If your annual spending exceeds Rs.3 lakh, you won’t be charged the credit card’s annual fee.	Qualify to have the annual fee waived by spending 2.5 lakhs or more using this card.
Fuel surcharge waiver	Utilize this credit card to benefit from a 1% fuel surcharge waiver on transactions spanning from Rs. 500 to Rs. 4,000 at all petrol pumps throughout India.	Receive a 1% waiver on fuel surcharges for transactions ranging from Rs. 400 to Rs. 5,000, with a maximum waiver of Rs. 250 per transaction.