Cashback SBI Credit Card VS HDFC Bank Millennia Credit Card VS RBL Platinum Delight Credit Card
Comparing 3 cards side by side: Cashback SBI Credit Card, HDFC Bank Millennia Credit Card, RBL Platinum Delight 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. RBL Platinum Delight Credit Card costs ₹1,000 + GST and earns 2 Reward Points on every Rs. 100 spent on weekdays and 4 Reward Points on weekends. 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
RBL Platinum Delight 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.
Generous welcome benefit of 4,000 reward points upon initial card usage.
Accelerated reward earnings with 2x points on all weekend spending.
Opportunity to waive annual fees by achieving a reasonable spend threshold.
Monthly bonus reward points for consistent card usage on qualifying transactions.
Flexible reward redemption options for travel, shopping, and mobile recharges.
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.
A nominal fee of INR 99 + GST is charged for each reward point redemption request.
Certain merchant categories are excluded from earning reward points and fee waiver criteria.
The card does not offer Zero Liability Protection for lost or stolen cards.
A foreign currency markup of up to 3.5% applies to international transactions.
Monthly cap of 1,000 reward points on accelerated weekend spending benefits.