HDFC Millennia vs SBI ELITE
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 | Super Premium |
| Annual Fee | ₹1,000 + GST | ₹4,999 + GST |
| Joining Fee | ₹1,000 + GST | ₹4,999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2X reward points on dining, movies & grocery |
| Best For | Online Shopping | Premium Lifestyle |
| 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 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 5000 bonus reward points |
| Min Income | ₹25,000/month | ₹60,000/month |
| Lounge Access | 8 domestic per year | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.6 |
| 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 ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
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 ELITE?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. SBI ELITE is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and SBI ELITE?
HDFC Millennia is cheaper to hold at ₹1,000 + GST, compared with ₹4,999 + GST for SBI ELITE.
Do HDFC Millennia and SBI ELITE offer airport lounge access?
HDFC Millennia: 8 domestic per year. SBI ELITE: unlimited domestic + 6 international per year.
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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