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| Feature | HDFC Bank HDFC Millennia Credit Card | SBI Card Flipkart SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹1,000 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | At ₹3,50,000 annual spending |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Listed-merchant CashPoints: ₹1,000/month · Other-spend CashPoints: ₹1,000/month | Myntra cashback: ₹4,000/quarter · Flipkart and Shopsy cashback: ₹4,000/quarter · Cleartrip cashback: ₹4,000/quarter · Selected-partner cashback: ₹4,000/quarter |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹35,000/month | Approx. ₹25,000/month |
| Terms verified | 13 Sept 2026 | 21 Sept 2026 |
| Best suited to | Salaried individuals with diversified spending across top 10 Indian digital apps. | Flipkart, Myntra and Cleartrip shoppers who want a lifetime-free card. |
| Main trade-off | The 5% and 1% buckets each have a separate 1,000-CashPoint monthly cap. Minimum 500 CashPoints are needed to redeem, with a 3,000-point monthly redemption limit. | This card is not lifetime free. Selected-merchant accelerators, application-channel welcome gifts and exclusions are conditional. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
