Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
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| Feature | SBI Card SBI Cashback Credit Card | HDFC Bank HDFC Millennia Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | ₹999 + GST per year | ₹1,000 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹1,00,000 annual spending |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Beauty & wellness | 5% · Selected online merchant cashback | 1% · Ten listed merchants 5% CashPoints |
| Dining & delivery | 5% · Selected online merchant cashback | 1% · Ten listed merchants 5% CashPoints |
| Groceries & essentials | 5% · Selected online merchant cashback | 1% · Other eligible CashPoints |
| Online shopping | 5% · Eligible online shopping cashback | 1% · Ten listed merchants 5% CashPoints |
| Subscriptions & streaming | 5% · Selected online merchant cashback | 1% · Ten listed merchants 5% CashPoints |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Eligible online cashback: ₹2,000/statement cycle · Eligible offline cashback: ₹2,000/statement cycle · Aggregate statement-cycle cashback: ₹4,000/statement cycle | Listed-merchant CashPoints: ₹1,000/month · Other-spend CashPoints: ₹1,000/month |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹35,000/month |
| Terms verified | 14 Sept 2026 | 13 Sept 2026 |
| Best suited to | People spending ₹15,000+ monthly across various e-commerce and delivery apps. | Salaried individuals with diversified spending across top 10 Indian digital apps. |
| Main trade-off | Online and offline cashback are capped separately at ₹2,000 each per statement cycle. Utilities, insurance, fuel, rent, wallets, education, jewellery, railways and other listed categories are excluded. No airport lounge access. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
