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

In the realm of credit cards, the SBI Cashback Credit Card and HDFC Millennia Credit Card emerge as compelling choices, each offering unique advantages tailored to diverse spending habits.

The SBI Cashback Credit Card is known for its straightforward cashback rewards across various categories, providing a seamless and rewarding spending experience.

On the other hand, the HDFC Millennia Credit Card caters to the modern lifestyle, offering rewards on both online and offline expenditures, along with exclusive benefits for shopping and travel.

This comprehensive comparison delves into the specifics of cashback programs, rewards, fees, and additional perks, empowering you to make an informed decision aligned with your financial preferences.

Read on to uncover the distinctive advantages each card holds and choose the one that best complements your lifestyle and spending patterns.

Overview of SBI Cashback credit card

SBI has introduced the ‘Cashback SBI Credit Card’ to offer cashback benefits to its clientele.

Emphasizing maximum value-back, particularly for online transactions, this credit card distinguishes itself as a top-tier option for individuals keen on optimizing their shopping experiences.

Acclaimed for its simplicity, this card eliminates the need to track reward points or navigate the complexities of redemption.

Despite an annual fee of Rs. 999, spending Rs. 2 Lakhs or more in the previous year can nullify it.

With this card, users can accrue a significant 5% cash back on all online and offline transactions, automatically deposited into the cardholder’s account.

Supplementary advantages like a fuel surcharge waiver enhance its overall appeal.

Overview of HDFC Millennia credit card

The cashback facility makes the HDFC Bank Millennia Credit Card an attractive and beneficial choice.

Utilizing the Millennia credit card allows you to receive a 5% cashback on your online transactions, spanning major platforms like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more.

The cashback, converted into CashPoints, provides adaptability, allowing for adjustments to the card’s statement balance, flight/hotel reservations, or purchases from HDFC’s product catalogue.

Meeting quarterly spending milestones unlocks valuable gift vouchers, complemented by dining discounts of up to 20% and a fuel surcharge waiver.

Welcome benefits, a renewal fee waiver, and complimentary lounge access at domestic airports in India enhance the cardholder’s comprehensive advantages.

SBI Cashback credit card vs HDFC Millennia credit card

Features/Charges	SBI Cashback Credit card	HDFC Millennia Credit Card
Joining Fees	NIL	Rs. 1,000 + tax
Annual Fees	Rs. 999 + Taxes	Rs. 1,000 + tax
Welcome Benefits	N/A	Experience the advantages that materialize with a collection of 1,000 CashPoints.
Cashback / Rewards point	Take advantage of the perks offered by this card, including a 5% cashback on online transactions and a 1% cashback on other offline transactions and utility bill payments.	Receive a 5% cashback benefit for your online transactions, encompassing popular sites like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and others.
Dining benefits	N/A	Seize the chance to get a 20% discount at top-tier dining establishments across cities through the Good Food Trail Dining program.
Travel benefits	Access domestic airport lounges at no extra charge four times a year by using this card.	Enjoy eight free visits to domestic lounges annually, with a quarterly limit of two visits.
Annual fees waiver	Achieve an exemption from the annual fee by spending 2 Lakh using this card.	Qualify for a waived annual fee on the renewed Joining Fees by spending 1 Lakh with this card.
Fuel surcharge waiver	Benefit from a 1% fuel surcharge waiver on transactions within the Rs. 500 to Rs. 3,000 range at petrol stations nationwide by using this card.	Obtain a 1% discount on fuel surcharge for transactions between Rs. 400 and Rs. 5,000.