HDFC Millennia Credit Card vs Cashback SBI Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
HDFC Bank
★ 4.3 / 5.0
HDFC Millennia Credit Card
Urban Millennials & Online Spenders
SBI Card
★ 4.7 / 5.0
Cashback SBI Credit Card
Online Shopping, E-commerce, Food Delivery & General Outlays
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.3 / 5.0
★ 4.7 / 5.0
Annual Fee
₹1,000 + Taxes
₹999 + Taxes
Fee Waiver Condition
Renewal fee waived on ₹1 lakh spend in the year before renewal
Annual fee waived on ₹2 Lakh annual retail spends
Reward Rate
5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato & 5 more brands; 1% on other spends
5% cashback on online spends, capped ₹2,000/statement cycle; 1% cashback on offline spends, capped ₹2,000/statement cycle (revised 1 Apr 2026, previously combined ₹5,000/cycle); excludes gaming, toll, government and other standard-excluded transactions
Finance APR
3.6% per month (43.2% per annum)
Up to 3.75% per month (45% per annum)
Welcome Offer
₹1,000 cashback on spending ₹1,000+ in first 90 days
Auto-credited statement cashback on online and offline transactions
Top Perks
- • 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Swiggy, Sony LIV, Tata CLiQ, Uber & Zomato
- • 1% cashback on all other eligible spends
- • 1 domestic lounge visit or a ₹1,000 voucher on ₹1 lakh spend in each calendar quarter
- • ₹1,000 cashback welcome bonus on ₹1,000+ spends within 90 days
- • 5% cashback on eligible online purchases (capped at ₹2,000 per statement cycle)
- • 1% cashback on all eligible offline retail purchases (capped at ₹2,000 per statement cycle)
- • Automatic cashback statement credit within 2 days of statement generation
- • 1% fuel surcharge waiver valid across all petrol pumps in India for transactions between ₹500 and ₹3,000 (capped at ₹100 per statement cycle)
Best Suited For
Urban Millennials & Online Spenders
Online Shopping, E-commerce, Food Delivery & General Outlays