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SBI Cashback Credit Card costs ₹999 a year and earns 1% on base spends, with no complimentary lounge access. HDFC Millennia Credit Card costs ₹1,000 a year and earns 1% on base spends (assumes 1 cashpoint = re.1 when redeemed against statement balance (min 500 cashpoints, request only); 1 cashpoint = rs.0.30 for smartbuy travel/catalogue redemption. this is a cashback card; cashpoints are the cashback vehicle.), with no complimentary lounge access. Use the table below to weigh fees, rewards, lounge access, insurance cover and eligibility side by side.
Use the table above to compare SBI Cashback Credit Card and HDFC Millennia Credit Cardacross fees, reward depth, travel benefits, insurance cover, eligibility and features. Lowest fees and highest rewards are highlighted ⭐ in each row. Tap "+ Add card" in any empty slot to bring a third or fourth contender into the comparison — useful when you're torn between adjacent cards in the same segment.
See every card from the same issuer: SBI credit cards compared · HDFC Bank credit cards compared
