SBI Cashback vs HDFC Millennia

Which credit card is better for you? Fees, rewards & charges side by side.

	SBI Card Cashback	HDFC Bank Millennia
	Apply Now →	Apply Now →
Annual fee	₹999	₹1,000
Joining fee	₹999	₹1,000
Our rating	★ 4.6	★ 4.2
Rewards	1% – 5% cashback	1% – 5% cashback
Best for	Anyone who shops, orders food or buys groceries online	Young professionals using popular shopping & food apps
Top benefits	⚡ 5% online 🏪 1% offline 🏦 Auto credit	💸 5% cashback 🛒 1% cashback 🎁 ₹1,000 voucher
Lounge access	None	1 domestic/quarter via milestone
Fee waiver	Renewal fee waived on ₹2 lakh yearly spend	Renewal fee waived on ₹1 lakh yearly spend
Min. income	₹3 lakh/year	₹4 lakh/year
Credit score	750+	720+
Forex markup	3.5%	3.5%
Interest	3.75%/month (45% p.a.)	3.75%/month (45% p.a.)
Cash withdrawal	2.5% (min ₹500)	2.5% (min ₹500)
Late fee	₹0 – ₹1,300 by bill amount	₹0 – ₹1,300 by bill amount
	Apply Now →	Apply Now →

Quick verdict

The SBI Cashback Credit Card is ₹999 a year and gives 1% – 5% cashback. The HDFC Millennia Credit Card is ₹1,000 a year and gives 1% – 5% cashback. The SBI Cashback is cheaper to keep. Our rating: SBI Cashback ★ 4.6, HDFC Millennia ★ 4.2.

Choose…

SBI Cashback if you are: anyone who shops, orders food or buys groceries online. 5% online Amazon, Flipkart, Myntra, Blinkit… · 1% offline on shop & store payments · Auto credit no points to redeem.
HDFC Millennia if you are: young professionals using popular shopping & food apps. 5% cashback on 10 popular brands · 1% cashback on all other spends · ₹1,000 voucher every ₹1L quarter.

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