Cashback SBI Credit Card VS HDFC Bank Millennia Credit Card VS IDFC FIRST Millennia Credit Card
Comparing 3 cards side by side: Cashback SBI Credit Card, HDFC Bank Millennia Credit Card, IDFC FIRST Millennia Credit Card. Cashback SBI Credit Card costs ₹999 + GST and earns 5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. IDFC FIRST Millennia Credit Card is lifetime-free and earns 10X points on spends above ₹20,000 and birthdays; 3X on other spends (1X = 1 pt per ₹200). Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Cashback SBI Credit Card
HDFC Bank Millennia Credit Card
IDFC FIRST Millennia Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.
High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.
Strong option for online spending compared to other cashback cards with simple auto-credit.
Contactless payment facility available for quick and secure low-value transactions.
Global acceptance in over 24 million outlets ensures usability during travel and shopping.
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
Pros
Key benefits and features.
Lifetime free credit card with no joining or annual fees, offering great value.
Enjoy 4 complimentary railway lounge accesses each quarter, ideal for train travelers.
Reward points never expire, ensuring long-term value and flexibility in redemption.
Earn up to 10x reward points on dining, travel, international, and birthday spends.
Benefit from low interest rates starting at 8.5% per annum and interest-free cash withdrawals.
Cons
Key drawbacks and limitations.
Several categories are excluded from cashback eligibility, limiting earnings on key spends.
Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.
Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.
No instant discounts during online sales, reducing appeal during promotional shopping periods.
Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.
Cons
Key drawbacks and limitations.
The card does not offer any domestic or international airport lounge access.
A reward redemption fee of ₹99 + GST is charged for every redemption.
A foreign currency markup of 3.5% applies to all international transactions.
Cash advance charges of ₹199 + GST are applicable per transaction.