HDFC Millennia vs SBI SimplySAVE vs BoB Eterna
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Millennia
4.6
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | HDFC Millennia | SBI SimplySAVE | BoB Eterna |
|---|---|---|---|
| Bank | HDFC Bank | SBI | Bank of Baroda |
| Card Type | Cashback | Rewards | Premium |
| Annual Fee | ₹1,000 + GST | ₹499 + GST | ₹2,499 + GST |
| Joining Fee | ₹1,000 + GST | ₹499 + GST | ₹2,499 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 10X rewards on dining, grocery, movies & dept stores | 6 reward points per ₹100 on all spends |
| Best For | Online Shopping | Everyday Spending | Travel & Dining |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 | ₹1,50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 500 bonus reward points | 2000 bonus reward points |
| Min Income | ₹25,000/month | ₹20,000/month | ₹40,000/month |
| Lounge Access | 8 domestic per year | None | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST | Free |
| Rating | 4.6 | 4.2 | 4.3 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual 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.