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Choose up to three credit cards to compare fees, reward rates by category, caps, forex markup, lounge access and estimated yearly value. The best value in each row is highlighted.

FeatureSBI Card CashbackHDFC Bank Millennia
Card
SBI Card CashbackSBI Card
HDFC Bank MillenniaHDFC Bank
Annual fee₹999 + GST₹1,000 + GST
Joining fee₹999 + GST₹1,000 + GST
Fee waiverWaived on ₹2,00,000 yearly spendWaived on ₹1,00,000 yearly spend
NetworkVisaVisa / Mastercard
Amazon rewards5%5%
Flipkart rewards5%5%
Other online shopping rewards5%1%
Food delivery rewards5%5%
Dining out rewards1%1%
Groceries rewards1%1%
Flights & hotels rewards5%1%
Fuel rewards0%0%
Bills & recharges rewards0%1%
Everything else rewards1%1%
Forex markup3.5%3.5%
Lounge accessNoneDomestic lounge access on quarterly spend milestones
Reward caps5% online cashback capped at ₹2,000 per statement (since April 2026)
1% offline cashback capped at ₹2,000 per statement		5% cashback capped at 1,000 points (₹1,000) per month
1% cashback capped at 1,000 points (₹1,000) per month
Est. yearly value: balanced spender₹9,960₹7,440
Est. yearly value: online shopper₹15,180₹12,060
Est. yearly value: frequent traveller₹18,804₹9,724
Est. yearly value: family & groceries₹10,320₹13,120
Best forOnline shoppers spending up to ₹40,000 a month onlineShoppers on Amazon, Flipkart, Swiggy and Zomato
Pros
  • 5% cashback on almost all online spends, with no merchant restrictions
  • 1% cashback on offline spends
  • Cashback is auto-credited to your statement
  • Annual fee waived on ₹2 lakh yearly spend
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
  • ₹1,000 gift voucher every quarter you spend ₹1 lakh
  • Easy fee waiver at ₹1 lakh yearly spend
Cons
  • Online cashback cap cut from ₹5,000 to ₹2,000 a month in 2026
  • No cashback on rent, fuel, wallet loads, utilities, gaming, tolls and government payments
  • No airport lounge access
  • 3.5% forex markup
  • 5% and 1% cashback each capped at ₹1,000 a month
  • Points must be redeemed (minimum 500) and expire after 2 years
  • No rewards on fuel, rent, EMI or government payments
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