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Cashback SBI Credit Card VS HDFC Bank Millennia Credit Card VS RBL Platinum Delight Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Cashback SBI Credit Card
Cashback SBI Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
RBL Platinum Delight Credit Card
RBL Platinum Delight Credit Card

Fees & Charges

Joining Fee
₹999 + GST
₹1,000 + GST
₹1,000 + GST
Renewal Fee
₹999 + GST
₹1,000 + GST
₹1,000 + GST
Spend Based Waiver
Annual fee is reversed if annual spends in the previous year are Rs. 2,00,000 or more.
Renewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Annual renewal fee waived on spending Rs. 2 lakh or more in the previous year.
Foreign Transaction Fees
3.5% + GST
3.5% + GST on international spends.
Up to 3.5% markup on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (45% annually).
Up to 3.99% per month.

Rewards & Benefits

Welcome Bonus
No specific welcome benefits or joining perks are listed for this card.
Receive 1,000 bonus CashPoints upon successful realization of the joining fee.
Receive 4,000 Reward Points on first retail spend within 30 days after paying joining fee.
Rewards Rate
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.
Earn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Earn 2 Reward Points on every Rs. 100 spent on weekdays and 4 Reward Points on weekends.
Reward Type
Cashback
Cashback
Reward Points
Reward Redemption Fee
Not applicable
₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Rs. 99 + GST charged on every Reward Point redemption request.

Travel & Lifestyle

Domestic Lounge Access
Complimentary airport lounge access voucher upon achieving quarterly spend milestones.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Redeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Not Applicable
Movie Benefits
5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Not Applicable
Dining Benefits
10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, capped at Rs. 100 per statement cycle.
1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
1% waiver on fuel transactions (Rs. 400-Rs. 5,000), capped at Rs. 150/month.

Security & Other

Insurance Benefits
Zero liability on fraudulent transactions if lost card is reported immediately.
Not Applicable
Cash Advance Charges
2.5% of the amount withdrawn or a minimum charge of Rs. 500.
2.5% of transaction amount, minimum fee of ₹500.
2.5% of amount withdrawn or Rs. 500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Cashback SBI Credit Card

HDFC Bank Millennia Credit Card

RBL Platinum Delight Credit Card

Who is it for?

The Cashback SBI Card is an entry-level cashback credit card that delivers straightforward savings on everyday spending with 5% cashback on online transactions and 1% on offline spends. It pairs flat cashback with a fuel surcharge waiver and a spend-based annual fee waiver, making it ideal for users who want direct, easy-to-track benefits without managing points. Best suited for regular shoppers and online spenders who can meet the Rs. 2 lakh annual spend threshold, this card simplifies rewards while offering global acceptance and contactless convenience.

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Who is it for?

The RBL Platinum Delight Credit Card is a versatile rewards card, perfect for maximizing savings on daily and weekend purchases. It offers 4,000 welcome Reward Points and accelerated earning of 4 points per Rs. 100 spent on weekends. Cardholders can enjoy monthly bonus points and spend-based annual fee waivers, making it a rewarding choice for smart shoppers seeking to redeem points for travel, shopping, and more.

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.

Maximize savings on everyday purchases, especially beneficial for weekend spending.

Attractive reward structure offering accelerated points on weekend retail spends.

Valuable welcome bonus of 4,000 Reward Points upon card joining and activation.

Benefit from annual fee waivers and monthly bonus points based on spending.

Enjoy a straightforward rewards redemption process through a dedicated online portal.

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.

Does not provide specific benefits for movies, dining, or travel lounge access.

A nominal fee of Rs. 99 + GST is charged for every reward point redemption.

No Reward Points earned on fuel, utilities, insurance, or wallet reloads.

Foreign currency transactions are subject to a significant markup fee of up to 3.5%.

Lacks Zero Liability Protection for lost or stolen RBL Platinum Delight credit cards.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.