HDFC Millennia vs SBI SimplySAVE
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 | Rewards |
| Annual Fee | ₹1,000 + GST | ₹499 + GST |
| Joining Fee | ₹1,000 + GST | ₹499 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Online Shopping | Everyday Spending |
| 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 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 500 bonus reward points |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | None |
| 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 | ₹249 + GST |
| Rating | 4.6 | 4.2 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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 SimplySAVE?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. SBI SimplySAVE is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and SBI SimplySAVE offer airport lounge access?
HDFC Millennia: 8 domestic per year. SBI SimplySAVE: 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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