Millennia Credit Card
Rs 1,000Annual fee
Rs 1,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Either ₹1,000 gift voucher or 1 domestic lounge access voucher on spends of ₹1,00,000 and above in each calendar quarter
3.5%Forex markup
Best for
Online, Wallets, Cashback
Top rewards
Select Online Merchants: 5% CashBack; Others: 1% CashBack; SmartBuy: Up to 10% CashBack
Cashback Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Cashback
Top rewards
Online Spends: 5% cashback; Offline Spends: 1% cashback
| Feature | Millennia Credit Card | Cashback Credit Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa, Mastercard | Visa, Mastercard |
| Joining fee | Rs 1,000 | Rs 999 |
| Annual fee | Rs 1,000 | Rs 999 |
| Fee waiver spend | Rs 1,00,000 | Rs 2,00,000 |
| Reward type | Cashback | Cashback |
| Best for | Online, Wallets, Cashback | Online, Cashback |
| Top reward categories | Select Online Merchants: 5% CashBack; Others: 1% CashBack; SmartBuy: Up to 10% CashBack | Online Spends: 5% cashback; Offline Spends: 1% cashback |
| SmartBuy / accelerated caps | SmartBuy: Daily 1,000 Cashback, Monthly 1,000 Cashback | Not Listed |
| Domestic lounge | 4 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Either ₹1,000 gift voucher or 1 domestic lounge access voucher on spends of ₹1,00,000 and above in each calendar quarter | Not Listed |
| Redemption | SmartBuy travel: upto ₹ 1 per point; Statement credit: upto ₹ 1 per point | Not Listed |
| Key exclusions | fuel, rent, government payments, cash withdrawal, wallet loads, emi transactions | utilities, insurance, fuel, rent, wallet loads, school and educational services |