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.

Side-by-side · honest numbers

HDFC Millennia Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of 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 leads SBI Cashback Credit Card by about ₹2,080/yr in estimated net value.

HDFC Millennia Credit Card vs SBI Cashback Credit Card comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	SBI Cashback Credit Card SBI Card
Annual fee	₹1,000	₹999
Min income (monthly)	₹35,000	₹25,000
Top reward rate	5%	5%
Net annual value (moderate spend)	₹8,830/yr	₹6,750/yr
Secured / FD-backed	No	No
Signup bonus	₹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.

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Your adjusted comparison

Feature	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	₹1,000	₹999
Min income	₹35,000	₹25,000
Top reward rate	5%	5%
Net value (moderate)	₹8,830/yr	₹6,750/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹1,000	—

HDFC Millennia Credit Card details →SBI Cashback Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Millennia Credit Card comparisons