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HDFC Bank Millennia vs SBI Card PULSE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Millennia and the SBI Card PULSE. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Millennia for rewards.
Head-to-head
Three core metrics- Annual fee Millennia saves ₹499/yrMillennia ₹1,000 Waivable at ₹1,00,000 spendPULSE ₹1,499 Waivable at ₹2,00,000 spend
- Forex markup Millennia 3.5%PULSE 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)PULSE 4/year (1 per quarter)
Reward earning explained
Per card2 pts / ₹100 · 10 points/₹100 on eligible dining, movies, and health Pharmacy Sports Dining Movies
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 PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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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.
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Rewards HDFC Bank Millennia wins HDFC Bank Millennia is better for rewards
HDFC Bank Millennia is stronger here. HDFC Bank Millennia conservative base value ~1% vs SBI Card PULSE's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- SBI PULSE: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Millennia HDFC Bank | PULSE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| First-year cost Only available for Millennia | ₹1,000 | Not specified |
| Annual-fee waiver ₹1,00,000 vs ₹2,00,000 | ₹1,00,000 | ₹2,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Millennia | ₹100–₹1,300 depending on outstanding balance | Not specified |
| 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 2 pts / ₹100 | 1% | 2 pts / ₹100 |
| Conservative base value ~1% vs ~0.5% | ~1% | ~0.5% |
| Earn ceiling ₹1,000 per calendar month vs 7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend | ₹1,000 per calendar month | 7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| 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 PULSE
Verify with issuer , opens external site