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Millennia vs SBI PULSE – Full comparison
Both cards verified with issuer
Millennia source SBI PULSE sourceAnnual fee structure is a key difference
Key differences
Best forex SBI PULSE 1.99%
Lowest fee Millennia ₹1,000
Best lounge SBI PULSE 16/year lounge
Spend context
At ₹50k/month spend:
- Millennia: ~₹1,000/month at base rate
- SBI PULSE: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Millennia HDFC | SBI PULSE SBI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 16/year | None | 16/year |
| Forex / International Use | ||
| Forex markup 2% vs 1.99% | 2% | 1.99% |
| 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 ₹2,00,000 | ₹1,00,000 | ₹2,00,000 |
| Rewards | ||
| Reward points (base spend) 3 pts/₹150 vs 2 pts/₹100 | 3 pts/₹150 | 2 pts/₹100 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.