HDFC Millennia vs SBI CashBack Card
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | SBI |
| Card Type | Cashback | Premium Cashback |
| Annual Fee | ₹1,000 + GST | ₹999 + GST |
| Joining Fee | ₹1,000 + GST | ₹999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5% Cashback on ALL online spends |
| Best For | Online Shopping | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None |
| Min Income | ₹25,000/month | ₹30,000/month |
| Lounge Access | 8 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST |
| Rating | 4.6 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: HDFC Millennia or SBI CashBack Card?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. SBI CashBack Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and SBI CashBack Card?
SBI CashBack Card is cheaper to hold at ₹999 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and SBI CashBack Card offer airport lounge access?
HDFC Millennia: 8 domestic per year. SBI CashBack Card: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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