Cashback SBI Credit Card vs HDFC Bank Millennia Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 999 + GST
₹1,000 + GST
Renewal Fee
Rs. 999 + GST
₹1,000 + GST
Spend Based Waiver
The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.
The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Foreign Transaction Fees
3.5% of the international transaction
3.5% + GST
Interest Rate (APR)
3.5% p.m. (42% p.a.)
3.75% Per Month (45% Annually)
Rewards & Benefits
Welcome Bonus
Not Applicable
1,000 CashPoints
Rewards Rate
5% cashback for every online transaction and 1% cashback on other offline transactions. You can earn a maximum of Rs. 5000 cashback in a single statement cycle.
5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends
Reward Type
Cashback
Cashback
Reward Redemption Fee
NIL
₹50 + GST Per Cash Redemption Request. ₹99 + GST for Other Redemptions
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Dining & Movie Benefits
Not Applicable
Flat ₹200 Discount on Swiggy Dineout (Minimum Order Value ₹2,000). Valid Twice Each Month
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)
A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the amount withdrawn or a minimum charge of Rs. 500.
2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.