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HDFC Millennia Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Millennia Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Millennia Credit Card

HDFC Bank

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹1,000Lifetime free
Fee waiver thresholdWaived at ₹1,00,000/yr spendLifetime free
Min income₹35,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹6,300/yr₹1,440/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo—
Top reward rate5%80% of FD value
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessMilestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentNot stated
Bonuses
Signup bonus₹1,000—

Stack mode (hold both)

Cap-aware split: ~₹6,540/yr combined NAV (₹240 vs best solo). Both annual fees apply.

HDFC Millennia Credit Card details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Millennia Credit Card leads SBI Card against Fixed Deposit by about ₹4,860/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Millennia Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureHDFC Millennia Credit Card

HDFC Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹1,000Lifetime free
Fee waiver thresholdWaived at ₹1,00,000/yr spendLifetime free
Min income₹35,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹6,300/yr₹1,440/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo—
Top reward rate5%80% of FD value
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessMilestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentNot stated
Bonuses
Signup bonus₹1,000—

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
HDFC Millennia Credit Card leads with an estimated ₹6,300/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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