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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.
The short answer
VerdictPick Millennia for lounge access.
Head-to-head
Three core metrics- Annual fee Cashback saves ₹1/yrMillennia ₹1,000 Waivable at ₹1,00,000 spendCashback ₹999 Waivable at ₹2,00,000 or more spend
- Forex markup Millennia 3.5%Cashback 3.5%
- Domestic lounge Millennia: +4 lounge visits/yrMillennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)Cashback No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on online spend
Strong dataPick based on what matters
3 dimensionsStart 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).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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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%.
All fields
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.
| Field | Millennia HDFC Bank | Cashback SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits Only available for Millennia | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹999 | ₹1,000 | ₹999 |
| First-year cost ₹1,000 vs ₹999 | ₹1,000 | ₹999 |
| Annual-fee waiver ₹1,00,000 vs ₹2,00,000 or more | ₹1,00,000 | ₹2,00,000 or more |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge ₹100–₹1,300 depending on outstanding balance vs ₹400–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance | ₹400–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base cashback | 1% | 1% |
| Earn ceiling ₹1,000 per calendar month vs ₹2,000 per statement cycle | ₹1,000 per calendar month | ₹2,000 per statement cycle |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Millennia | ₹1 | Not specified |
Notes
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank Millennia
Verify with issuer , opens external siteSBI Card Cashback
Verify with issuer , opens external site