All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
HDFC Millennia vs Cashback SBI Card
Quick answer
Cashback SBI Card wins this comparison on 2 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
HDFC Bank
HDFC Millennia
Visa · Mastercard
SBI Card
Cashback SBI Card
Visa
Our pick
Cashback SBI Card edges it for most people.
It wins on 2 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | HDFC Millennia | Cashback SBI Card |
|---|---|---|
| Annual fee | ₹1,000 | ₹999 ✓ |
| Top reward rate | 5% | 5% |
| Lounge visits/yr | 8 ✓ | 0 |
| Forex markup | 4% | 4% |
| APR (per year) | 45% | 42% ✓ |
| Min income/mo | ₹30,000 | ₹30,000 |