Head-to-Head Card Showdown
HDFC Bank Millennia Credit Card vs Cashback SBI Card
Which card is actually better for your spending patterns? Compare annual fees, waiver thresholds, category caps, forex charges, and 2026 lounge access rules side-by-side.
Popular Head-to-Head Matchups
Option AMid-Tier • Visa / Mastercard / Diners Club
HDFC BANK
VISA
MILLENNIA
•••• •••• •••• 2026
Mid-Tier
Option BMid-Tier • Visa / Mastercard
SBI Card
VISA
CASHBACK
•••• •••• •••• 2026
Mid-Tier
Verdict for Your Spend Profile
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.
Fine-Tune Your Monthly Spending Profile
Adjust your monthly spending sliders to see real-time net-value updates.
₹15,000/mo
₹10,000/mo
₹5,000/mo
₹4,000/mo
₹3,000/mo
₹25,000/yr
Comprehensive Feature-by-Feature Comparison Matrix
| 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) |
| Top Advantages |
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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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Questions about HDFC Bank Millennia Credit Card vs Cashback SBI Card
Which card has better airport lounge access rules in 2026?
HDFC Bank Millennia Credit Card provides 1 visits/quarter (requires ₹50,000 quarterly spend), while Cashback SBI Card provides 0 visits/quarter (no spend criteria).