Side-by-side · honest numbers
Bajaj Finserv DBS Bank SuperCard vs HDFC Millennia Credit Card vs HSBC Cashback Credit Card
Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, HDFC Millennia Credit Card, HSBC 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 HSBC Cashback Credit Card by about ₹889/yr.
| Feature | Bajaj Finserv DBS Bank SuperCard DBS Bank | HDFC Millennia Credit Card HDFC Bank | HSBC Cashback Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹1,000 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹35,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | ₹8,830/yr | ₹7,941/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | — | 10% cashback → ₹400/mo (₹4,800/yr) |
| Top reward rate | 2X reward points | 5% | 10% |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Bajaj Finserv DBS Bank SuperCard 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?
- Bajaj Finserv DBS Bank SuperCard 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.
Bajaj Finserv DBS Bank SuperCard
DBS Bank
HDFC Millennia Credit Card
HDFC Bank
HSBC Cashback Credit Card
HSBC
Your adjusted comparison
| Feature | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank | 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 | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹1,000 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹35,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | ₹8,830/yr | ₹7,941/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | — | 10% cashback → ₹400/mo (₹4,800/yr) |
| Top reward rate | 2X reward points | 5% | 10% |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | — |
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https://cardhungry.com/in/en/compare/bajaj-dbs-supercard-vs-hdfc-millennia-vs-hsbc-cashbackMore Bajaj Finserv DBS Bank SuperCard comparisons
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