Which card has a lower forex fee: HDFC Millennia Credit Card or SBI Cashback Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Millennia Credit Card or SBI Cashback Credit Card?

SBI Cashback Credit Card has a lower annual fee (₹999 vs ₹1,000).

Which card offers better lounge access?

HDFC Millennia Credit Card: 1 per quarter domestic lounge. SBI Cashback Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Millennia vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Millennia and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge HDFC Bank Millennia

Quick comparison

Three core metrics

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Cashback SBI Card

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Millennia

1% · Up to 5% on Amazon

Limited data

Cashback

1% · Up to 5% on online spend

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs SBI Card Cashback: ₹999), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access HDFC Bank Millennia wins

HDFC Bank Millennia is better for lounge access

HDFC Bank Millennia is stronger here. Domestic lounge access is 1 per quarter.
Rewards Tie

Both cards are similar for rewards

HDFC Bank Millennia conservative base value ~1% vs SBI Card Cashback's ~1%. SBI Card Cashback conservative base value ~1% vs HDFC Bank Millennia's ~1%.

HDFC Bank Millennia

Confidence: Low (limited information available)

Verify with issuer

SBI Card Cashback

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
SBI Cashback: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Millennia HDFC Bank	Cashback SBI Card
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹999	₹1,000	₹999
Joining fee ₹1,000 vs ₹999	₹1,000	₹999
Fee waiver spend ₹1,00,000 vs ₹2,00,000	₹1,00,000	₹2,00,000
Rewards
Base cashback	1%	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹1	₹1
Point validity Only available for Millennia	2 years	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.