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

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

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

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 PULSE: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

HDFC Millennia Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

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.

Rewards HDFC Bank Millennia

Quick comparison

Three core metrics

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

PULSE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

Reward earning explained

Per card

Millennia

1% · Up to 5% on Amazon

Limited data

PULSE

2 pts / ₹100 · Up to 10 pts / ₹100 on Dining

Limited data

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 PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).

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.
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%.

HDFC Bank Millennia

Confidence: Low (limited information available)

Verify with issuer

SBI Card PULSE

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 PULSE: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Millennia HDFC Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits	4/year (1 per quarter)	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
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
Base earn 1% vs 2 pts / ₹100	1%	2 pts / ₹100
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
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

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.