Comparison Article: SBI Cashback vs. HDFC
Millennia
Introduction
In
the year 2026, cashback credit cards have become the most popular choice for
online shoppers. Two giants in this space are the SBI Cashback Card
and the HDFC Millennia Card. Both offer great value, but they
serve different types of shoppers. Below is a detailed comparison to help you
choose the best one.
Go to the official website
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Detailed Comparison Table
|
Feature |
SBI Cashback Credit Card |
HDFC Millennia Credit Card |
|
Joining/Annual Fee |
₹999 + GST |
₹1,000 + GST |
|
Best For |
General Online Shopping
(Any website) |
Specific Partner Brands
(Amazon, Flipkart, etc.) |
|
Cashback Rate |
5% Unlimited Cashback on online spends. |
5% Cashback on partner brands (Amazon, Myntra,
Swiggy). |
|
Offline Spends |
1% Cashback |
1% Cashback |
|
Lounge Access |
Not Available |
4 Domestic Lounge
Visits per
year (1 per quarter). |
|
Welcome Benefit |
None |
1,000 CashPoints
(equivalent to ₹1,000). |
|
Fee Waiver |
Spend ₹2 Lakh in a year
to waive off the fee. |
Spend ₹1 Lakh in a year
to waive off the fee. |
Key Highlights for Customers
·
SBI
Cashback Card:
This card is a "No-Brainer." You don't have to check which website
you are on. Whether you shop on a small boutique or a big brand, you get 5%
back directly into your card account. It’s best for people who want a simple,
high-reward card.
·
HDFC
Millennia Card:
This is perfect for the "Millennial" lifestyle. If you frequently use
Swiggy for food, BookMyShow for movies, or Amazon for shopping, the rewards are
excellent. Plus, it offers lounge access, which is a big bonus for travelers.
Verdict: Which one should you pick?
· 👉 Choose SBICashback
if you shop across various websites and want the highest possible cashback
without any brand restrictions.
· 👉 ChooseHDFC Millennia if you stick to major apps (Amazon/Flipkart/Swiggy) and want additional perks like airport lounge access and a lower fee waiver target.
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