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HDFC Bank Millennia vs SBI Card IRCTC SBI Card Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Millennia and the SBI Card IRCTC SBI Card Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick IRCTC SBI Card Platinum for upi.
Head-to-head
Three core metrics- Annual fee IRCTC SBI Card Platinum saves ₹500/yrMillennia ₹1,000 Waivable at ₹1,00,000 spendIRCTC SBI Card Platinum ₹500
- Forex markup Millennia 3.5%IRCTC SBI Card Platinum 3.5%
- Domestic lounge Millennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)IRCTC SBI Card Platinum 4/year
Reward earning explained
Per card1 pt / ₹100 · Up to 10 pts / ₹100 on IRCTC
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs SBI Card IRCTC SBI Card Platinum: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter. Domestic lounge access is 4 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: HDFC Bank Millennia conservative base value ~1% per ₹100. SBI Card IRCTC SBI Card Platinum is not safely INR-comparable (no usable point value).
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upi SBI Card IRCTC SBI Card Platinum wins SBI Card IRCTC SBI Card Platinum is better for UPI usage
SBI Card IRCTC SBI Card Platinum is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- IRCTC SBI Card Platinum: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Millennia HDFC Bank | IRCTC SBI Card Platinum SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 4/year | 4/year (1 per quarter) | 4/year |
| 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 ₹500 | ₹1,000 | ₹500 |
| First-year cost ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Annual-fee waiver Only available for Millennia | ₹1,00,000 | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge ₹100–₹1,300 depending on outstanding balance vs ₹400–₹1,100 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance | ₹400–₹1,100 depending on outstanding balance |
| Fuel benefit Only available for Millennia | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Base earn 1% vs 1 pt / ₹100 | 1% | 1 pt / ₹100 |
| Conservative base value ~1% vs Not safely INR-comparable | ~1% | Not safely INR-comparable |
| Earn ceiling ₹1,000 per calendar month vs Not stated | ₹1,000 per calendar month | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Millennia | ₹1 | Not specified |
| Point validity Only available for Millennia | 2 years | 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 IRCTC SBI Card Platinum
Verify with issuer , opens external site