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: 4/year domestic lounge. SBI Card PULSE: 4/year 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 Add another card →

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.

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

PULSE SBI Card

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

Reward earning explained

Per card

Millennia

5% on Shopping + 1% on General spend

Limited data

PULSE

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

5 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 vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Millennia: Limited data PULSE: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year.

Millennia: Limited data PULSE: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Millennia has comparable evidence here. Estimated base reward value is ~1% on base spend.

Millennia: Limited data PULSE: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only HDFC Bank Millennia has comparable evidence here. Annual fee is ₹1,000.

Millennia: Limited data PULSE: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

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.

Field	Millennia HDFC Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits	4/year	4/year
International lounge visits Only available for Millennia	6/year	Not specified
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
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
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.