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Compare Credit Cards by Real Net Value.
Don't be fooled by headline 5% rewards or welcome vouchers. Compare any two cards head-to-head based on your actual monthly spending, 18% GST on annual fees, category caps, and 2026 lounge spend rules.
MILLENNIA
•••• •••• •••• 2026
CASHBACK
•••• •••• •••• 2026
HDFC Bank Millennia Credit Card wins by +₹4,000/year
Based on your estimated monthly spend of ₹37,000 (₹4,44,000/year), HDFC Bank Millennia Credit Card yields a net annual return of ₹14,857 compared to ₹10,857 with Cashback SBI Card.
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| Feature / Parameter | HDFC Bank Millennia Credit Card | Cashback SBI Card |
|---|---|---|
| Net Annual Value (Your Spends) | ₹14,857 | ₹10,857 |
| Gross Annual Rewards Earned | ₹11,530 | ₹11,530 |
| Annual Fee & 18% GST Status | ₹0 (Waived on ≥ ₹1,00,000) | ₹0 (Waived on ≥ ₹2,00,000) |
| Annual Spend for Fee Waiver | ₹1,00,000 | ₹2,00,000 |
| Foreign Currency (Forex) Markup | 3.5% (+18% GST = 4.13%) | 3.5% (+18% GST = 4.13%) |
| 2026 Airport Lounge Policy | 1 complimentary domestic airport lounge access per calendar quarter upon spending ₹50,000 or more in the previous calendar quarter. | No complimentary airport lounge access is provided on this card. |
| RuPay UPI Scan & Pay Enabled | No (Visa / Mastercard / Diners Club) | No (Visa / Mastercard) |
| Reward Point Value & Options | 1 Point = ₹1 (Direct Statement Credit (1 CashPoint = ₹1)) | 1 Point = ₹1 (Direct Auto-Credit into Card Account Statement within 2 days of bill generation) |
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| Official MITC & Application | View MITC Fee Breakdown Official Bank Application | View MITC Fee Breakdown Official Bank Application |
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