Check below for a comparison between the HDFC Millennia credit card vs SBI Elite credit card or SBI Elite credit card vs HDFC Millennia credit card and find which is better –

In the realm of credit cards, the HDFC Millennia Credit Card and SBI Elite Credit Card stand out as notable choices, each offering distinct advantages to cardholders.

The HDFC Millennia Credit Card caters to the modern lifestyle, providing tailored rewards on both online and offline expenditures.

Meanwhile, the SBI Elite Credit Card is renowned for its premium benefits and exclusive privileges.

This brief yet comprehensive comparison explores the nuances of rewards programs, fees, and additional perks, empowering you to make an informed decision aligned with your financial preferences.

Discover the unique advantages each card holds, guiding you towards a credit card that suits your individual needs and aspirations.

Overview of HDFC Millennia credit card

The cashback feature makes the HDFC Bank Millennia Credit Card an attractive option, offering various perks.

With the Millennia credit card, you can enjoy a 5% cashback on your online transactions, spanning popular platforms like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more.

Cashback, represented as CashPoints, offers adaptability, allowing for adjustments to the card’s statement balance, flight/hotel bookings, or purchases from HDFC’s product catalogue.

Quarterly spending milestones open doors to appealing gift vouchers, accompanied by dining discounts of up to 20% and a fuel surcharge waiver.

Welcome benefits, a renewal fee waiver, and complimentary lounge visits at domestic airports in India further enhance the overall cardholder experience.

Overview of SBI Elite credit card

The SBI ELITE Credit Card, a distinguished credit card by SBI Card, demands an annual membership fee of Rs. 4,999.

Formerly the apex offering from the SBI Card, it now holds the second-ranking position following the debut of the SBI AURUM Credit Card.

Catering to the premium segment, the SBI Bank ELITE Credit Card presents an assortment of premium privileges, including complimentary access to domestic and international lounges, free shopping vouchers, discounted rates for hotel reservations, complimentary movie tickets, and a range of additional perks.

HDFC Millennia credit card vs SBI Elite credit card

Features/Charges	HDFC Millennia Credit Card	*SBI Elite card*
Joining Fees	Rs. 1,000 + tax	Rs. 4,999 + Taxes
Annual Fees	Rs. 1,000 + tax	Rs. 4,999 + Taxes
Welcome Benefits	Savor the welcome benefits derived from 1,000 CashPoints.	As a part of the welcome package, benefit from E-vouchers worth Rs. 5,000, valid for use at a range of brands like Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
Cashback / Rewards point	Attain a 5% cashback on your online expenses, covering transactions on Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more.	Attain 2 Reward Points for every Rs. 100 expended on retail acquisitions and indulge in a noteworthy 5X Reward Points boost for dining expenditures, departmental store shopping, and grocery purchases.
Dining benefits	Benefit from a 20% price reduction when dining at elite restaurants across various cities through the Good Food Trail Dining program.	Treat yourself to dining perks with discounts of up to 25% at renowned partner restaurants* as part of our exclusive offerings.
Travel benefits	Avail yourself of eight free entries to domestic lounges annually, with a quarterly restriction of two visits.	Access a complimentary Club Vistara Membership, a free Trident Privilege Red Tier membership, and enjoy complimentary entry to both domestic and international airport lounges.
Annual fees waiver	Obtain a waived annual fee by reaching 1 Lakh in expenditures, covering your renewed Joining Fees with this card.	Achieve annual spending of Rs. 10 lakh or more in the previous year to enjoy a waiver on the annual fee of Rs. 4,999.
Fuel surcharge waiver	Receive a 1% fuel surcharge waiver on transactions falling within the Rs. 400 to Rs. 5,000 range.	Utilize this credit card to receive a 1% discount on fuel surcharge* as a valuable perk.