Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

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?

SBI SimplySAVE lists a minimum monthly income of ₹18,000.

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 SimplySAVE

Honest side-by-side comparison of HDFC Millennia Credit Card, SBI SimplySAVE — 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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Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

HDFC Millennia Credit Card

HDFC Bank

Card 2

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature	HDFC Millennia Credit Card HDFC Bank	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹1,000	₹499
Fee waiver threshold	Waived at ₹1,00,000/yr spend	No waiver published
Min income	₹35,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹6,300/yr	₹2,751/yr
Online shopping	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo	—
Groceries (offline)	—	₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery	—	₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel	—	₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate	5%	10 RP/₹100
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	Milestone 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 rewards	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Rent · Wallet
Bonuses
Signup bonus	₹1,000	₹2,000

Stack mode (hold both)

Cap-aware split: ~₹7,841/yr combined NAV (₹1,541 vs best solo). Both annual fees apply.

HDFC Millennia Credit Card details →SBI SimplySAVE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Millennia Credit Card leads SBI SimplySAVE by about ₹3,549/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 SimplySAVE comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹1,000	₹499
Fee waiver threshold	Waived at ₹1,00,000/yr spend	No waiver published
Min income	₹35,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹6,300/yr	₹2,751/yr
Online shopping	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo	—
Groceries (offline)	—	₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery	—	₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel	—	₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate	5%	10 RP/₹100
Primary reward cap	₹1,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	Milestone 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 rewards	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Rent · Wallet
Bonuses
Signup bonus	₹1,000	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI SimplySAVE has the lowest annual fee at ₹499.
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?: SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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