Side-by-side · honest numbers
American Express Gold Card vs HDFC Millennia Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of American Express Gold Card, HDFC Millennia Credit Card, SBI Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of SBI Cashback Credit Card by about ₹2,080/yr.
| Feature | American Express Gold Card American Express | HDFC Millennia Credit Card HDFC Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 | ₹999 |
| Min income (monthly) | ₹60,000 | ₹35,000 | ₹25,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 5% | 5% |
| Net annual value (moderate spend) | ₹570/yr | ₹8,830/yr | ₹6,750/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | ₹1,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 | ₹999 |
| Min income | ₹60,000 | ₹35,000 | ₹25,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 5% | 5% |
| Net value (moderate) | ₹570/yr | ₹8,830/yr | ₹6,750/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | ₹1,000 | — |
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