HDFC Millennia Credit Card
HDFC Bank
VS
WINNER
SBI Cashback Credit Card
SBI Card
HDFC Millennia Credit Card vs SBI Cashback Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated May 2026
86
Overall Score / 100
4.3/5
Recommended
88
Overall Score / 100
4.4/5
Scoreboard· 3 measured features
1
HDFC Millennia Credit Card
0
Tied
2
SBI Cashback Credit Card
Overall winner
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
HDFC Millennia Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹1,000
Net per year+₹29,000
Better here
SBI Cashback Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹999
Net per year+₹29,001
SBI Cashback Credit Card gives you ₹1 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
HDFC Millennia Credit Card
SBI Cashback Credit Card
Annual Fee
₹1,000
₹999
Joining Fee
₹1,000
Free
Reward Rate
5% SmartBuy, 2.5% online, 1% offline
5% online, 1% offline
Welcome Bonus
1,000 reward points on first transaction
None
Lounge Access
None
None
Min. Income
₹35,000
₹30,000
Min. Credit Score
720
720
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Comparison verdict currently unavailable. Please check back later.
Who Should Get Which?
💰
Choose SBI Cashback Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Millennia Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.