HDFC Millennia vs Cashback SBI Card
HDFC Millennia is better for food delivery & dining, bills & recharges, while Cashback SBI Card wins on online shopping, travel & flights. Cashback SBI Card is cheaper to keep (₹999/year).
HDFC Bank
HDFC Millennia Credit Card
•••• 6558Visa / Mastercard
SBI Card
Cashback SBI Card
•••• 5764Visa
| HDFC Millennia Credit Card | Cashback SBI Card | |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa / Mastercard | Visa |
| Best for | Online brands cashback | Online shopping |
| Headline benefit | 5% on 10 brands | 5% online cashback |
| Joining fee | ₹1,000 | ₹999 |
| Annual fee | ₹1,000 | ₹999 |
| Fee waiver | ₹1,00,000 spend | ₹2,00,000 spend |
| Works on UPI | No | No |
| Lounge access | Domestic (spend-based) | None |
| Online shopping rewards | 4% | 5% |
| Groceries rewards | 1% | 1% |
| Food delivery & dining rewards | 5% | 1% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | 1% | – |
| Travel & flights rewards | 1% | 5% |
| Everything else rewards | 1% | 1% |
| Apply now | Apply now |
Choose HDFC Millennia if…
- High cashback on popular apps
- Easy fee waiver at ₹1 lakh
- Good first premium-ish card from HDFC
Watch out for
- 5% cashback is capped each month
- Cashback comes as CashPoints, not cash
- Only 1% outside partner brands
Choose Cashback SBI Card if…
- No merchant restrictions: 5% on almost any website
- Straight cashback with no points to redeem
- Simple, predictable rewards
Watch out for
- Monthly cashback caps were cut in April 2026
- No lounge access
- Fuel, rent and wallets excluded
Verdict
HDFC Millennia is better for food delivery & dining, bills & recharges, while Cashback SBI Card wins on online shopping, travel & flights. Cashback SBI Card is cheaper to keep (₹999/year). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.