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

SBI Card MILES has lower forex markup (3% vs 3.5%).

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

HDFC Millennia Credit Card has a lower annual fee (₹1,000 vs ₹1,499).

Which card offers better lounge access?

HDFC Millennia Credit Card: 1 per quarter domestic lounge. SBI Card MILES: 1 per year domestic lounge.

Which card has a higher base reward rate?

SBI Card MILES has higher base reward value (~1% vs ~0.3%).

Pairwise comparison Compare 3+ cards →

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

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

Forex SBI Card MILES

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

MILES SBI Card

Annual fee ₹1,499 Waivable at ₹6,00,000 spend
Forex markup 3%
Domestic lounge 1/year Conditional · Domestic: 1/year · requires ₹1,00,000 spend in the previous year

Reward earning explained

Per card

Millennia

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

MILES

1 pt / ₹100 on General spend

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs SBI Card MILES: ₹1,499), forex markup (3.5% vs 3%), or lounge access (1/quarter vs 1/year).

Forex markup SBI Card MILES wins

SBI Card MILES is better for forex

SBI Card MILES is stronger here. SBI Card MILES has a lower forex markup (3% vs 3.5%).
Lounge access Tie

Both cards are similar for lounge access

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

Verify with issuer

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 MILES: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Millennia HDFC Bank	MILES SBI Card
Lounge Access
Domestic lounge visits 1/quarter vs 1/year	1/quarter	1/year
Forex / International Use
Forex markup Limited support — verify with issuer. 3.5% vs 3%	3.5%	3%
Fees
Annual fee ₹1,000 vs ₹1,499	₹1,000	₹1,499
Joining fee ₹1,000 vs ₹1,499	₹1,000	₹1,499
Fee waiver spend ₹1,00,000 vs ₹6,00,000	₹1,00,000	₹6,00,000
Rewards
Points per ₹100 1% vs 1 pts	1%	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.3 vs ₹1	₹0.3	₹1

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.