SBI Cashback vs HDFC Millennia
Side-by-side comparison of fees, rewards, lounge access and eligibility.
| Feature | SBI Cashback | HDFC Millennia |
|---|---|---|
| Bank | SBI Card | HDFC Bank |
| Network | Visa | Visa |
| Annual Fee | ₹999 | ₹1,000 |
| Joining Fee | ₹999 | ₹1,000 |
| Reward Type | cashback | cashback |
| Reward Highlight | 5% online cashback (capped) | CashPoints on Amazon, Swiggy, Zomato & more |
| Forex Markup | 3.5% | 3.5% |
| Lounge | Limited / partner offers | Limited domestic lounge (offer-dependent) |
| Welcome | Welcome cashback / voucher as per current offer | Welcome CashPoints / vouchers |
| Eligibility income | ₹25000 | ₹25000 |
How to use this comparison
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- Which is better: SBI Cashback or HDFC Millennia?
- It depends on spending. SBI Cashback suits cashback & shopping users; HDFC Millennia suits cashback & shopping users. Compare fees, rewards and lounge needs side by side.
- Which has the lower annual fee?
- SBI Cashback is lower at ₹999 vs ₹1000.
- Which is better for forex spends?
- Both show 3.5% forex markup (indicative).
- Do both offer lounge access?
- SBI Cashback: Limited / partner offers. HDFC Millennia: Limited domestic lounge (offer-dependent).
- Are these offers final?
- No — catalog figures are indicative. Confirm fees, rewards and eligibility on each issuer’s official page.