SBI Cashback vs HDFC Millennia
SBI Cashback or HDFC Millennia?
In the comparison between SBI Cashback and HDFC Millennia, SBI Cashback wins for pure online shopping due to its unrestricted flat 5% return. HDFC Millennia is better suited for users who want domestic lounge access and milestone vouchers.
In the comparison between SBI Cashback and HDFC Millennia, SBI Cashback wins for pure online shopping due to its unrestricted flat 5% return. HDFC Millennia is better suited for users who want domestic lounge access and milestone vouchers.
Table of Contents
1. Quick Look
VS
2. Head-to-Head Comparison Table
| Feature | SBI Cashback | HDFC Millennia |
|---|---|---|
| Annual Fee | ₹999 + GST (Waived on ₹2 Lakh spend) | ₹1,000 + GST (Waived on ₹1 Lakh spend) |
| Best For | Online Shopping Cashback | All-Rounder Cashback |
| Cashback / Rewards | 5% on online spends, 1% on offline | 5% on Amazon, Flipkart, Swiggy, Zomato, Myntra. 1% on offline. |
| Lounge Access | 4 complimentary domestic visits per year (1 per quarter) | 4 complimentary domestic visits per year (1 per quarter) |
| EMI Options | Available on purchases above ₹2,500 via Flexipay | SmartEMI available on purchases above ₹2,500 |
| Welcome Offer | None | 1000 CashPoints (equivalent to ₹1000) |
3. Category Winners
| Best for Cashback | 🏆 SBI Cashback |
| Best for Rewards | 🏆 HDFC Millennia |
| Best for Lounge Access | 🤝 TIE |
| Best for Low Fees | 🏆 SBI Cashback |
| Best for Beginners | 🏆 HDFC Millennia |
4. Final Verdict: Which Card Should You Choose?
5. People Also Ask & FAQs
People Also Ask
Is SBI Cashback better than Millennia?
For heavy online shoppers, SBI is better. For milestone chasers, Millennia is better.
Can I use Millennia on Swiggy?
Yes, Millennia offers 5% CashPoints on Swiggy food delivery.
Comparison FAQs
Which card gives more cashback on Amazon?
Both give 5% on Amazon, but Millennia gives it as CashPoints while SBI gives direct statement credit.
Does SBI Cashback have lounge access like Millennia?
Yes, both cards offer 4 domestic airport lounge visits per year.
Which card has a lower fee?
SBI Cashback has a ₹999 fee, while Millennia is ₹1,000. Both are waived on reaching specific annual spends.
Which card is better for offline shopping?
Both cards offer a standard 1% return on offline shopping.
Is it easier to get SBI Cashback or Millennia?
Millennia generally has stricter income requirements (₹35,000) compared to SBI Cashback (₹25,000).
Which card offers better dining discounts?
Millennia offers up to 20% off via Swiggy Dineout, while SBI offers discounts on partner restaurants.
Can I hold both cards?
Yes, you can apply for and hold both cards simultaneously to maximize benefits.
Which card has better customer service?
HDFC Bank is generally recognized for faster premium customer service regarding credit card queries.
✓ Verified by CreditConnects Editorial Team
📅 Last Updated: July 2026
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✅ Fact Checked
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📋 Independent Review
Our editorial team verifies all card terms directly against official bank MITC documents and RBI circulars before publishing. We update this page whenever terms change.
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Trust Indicators
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Sources: Official Bank MITC | RBI Circulars (2025/26) | Visa / Mastercard / RuPay Network Guidelines
