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

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

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

IRCTC SBI Card Platinum has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

HDFC Millennia Credit Card: 1 per quarter domestic lounge. IRCTC SBI Card Platinum: 4 domestic lounge visits/year.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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.

upi SBI Card IRCTC SBI Card Platinum

Quick comparison

Three core metrics

Millennia HDFC Bank

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

IRCTC SBI Card Platinum SBI Card

Annual fee ₹500 Waivable at ₹75,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Millennia

5% on Amazon (domestic) (CashBack valid only for non-emi spends) + 5% on BookMy…

IRCTC SBI Card Platinum

10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back applies only to AC1, AC…

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 IRCTC SBI Card Platinum: ₹500), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter. Domestic lounge access is 4 per year.
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.

Verify with issuer

All fields

Standard view

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.

Swipe for all fields

Field	Millennia HDFC Bank	IRCTC SBI Card Platinum SBI Card
Lounge Access
Domestic lounge visits 1/quarter vs 4/year	1/quarter	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹500	₹1,000	₹500
Joining fee ₹1,000 vs ₹500	₹1,000	₹500
Fee waiver spend ₹1,00,000 vs ₹75,000	₹1,00,000	₹75,000
Rewards
Points per ₹100 1% vs 1 pts	1%	1 pts
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Millennia	₹0.3	Not specified
Point validity Only available for Millennia	2 years	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.