HDFC Millennia vs SBI ELITE vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Millennia | SBI ELITE | Kotak Royale Signature |
|---|---|---|---|
| Bank | HDFC Bank | SBI | Kotak Mahindra |
| Annual Fee | ₹1,000 + GST | ₹4,999 + GST | ₹999 + GST |
| Joining Fee | ₹1,000 + GST | ₹4,999 + GST | ₹999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2X reward points on dining, movies & grocery | 4 reward points per ₹150 on all spends |
| Best For | Online Shopping | Premium Lifestyle | Travel & Entertainment |
| Card Type | Cashback | Super Premium | Premium |
| Rating | 4.6 | 4.6 | 4.3 |
HDFC Millennia
Online Shopping
- ✓ 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
- ✓ Complimentary Trident Privilege membership
- ✓ Unlimited domestic lounge visits
- ✓ Buy 1 Get 1 on BookMyShow
- ✓ Annual fee reversal on ₹10L spend
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, HDFC Millennia currently ranks highest among your selected cards.