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SBI SimplySAVE Credit Card costs ₹499 a year and earns 0.17% on base spends (assumes 1 rp = rs.0.25, anchored to issuer's stated welcome-offer value: 2000 bonus reward points valued at `500 (equal to 1st-year fee) in sbi-hosted simplysave value chart; also consistent with sbi's 'upto 2.5% value back (10 reward points on every rs.100)' brochure claim. redeemable against outstanding balance or rewards catalogue gifts; min 2000 rp to redeem; separate reward redemption fee applies.), 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 SimplySAVE 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
