# HDFC Millennia vs SBI Cashback

HDFC Millennia costs ₹1,000 a year and SBI Cashback ₹999. They differ on airport lounge access.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [HDFC Millennia](https://getbrief.cards/cards/hdfc-millennia), HDFC Bank
- [SBI Cashback](https://getbrief.cards/cards/sbi-cashback), SBI Card

| | HDFC Millennia | SBI Cashback |
|---|---|---|
| Annual fee | ₹1,000 + GST | ₹999 + GST |
| Fee waiver | Waived at ₹1,00,000 spend per card year | Waived at ₹2,00,000 spend per card year |
| Forex markup | 3.5% | 3.5% |
| On ₹1,00,000 spent abroad | ₹4,130 in markup and GST | ₹4,130 in markup and GST |
| Network | Visa | Visa |
| Everyday spend | 1% CashPoints (cap ₹1,000/mo) | 1% offline (cap ₹2,000/cycle; overall ₹4,000/cycle combined) |
| Rewards in | Cashback | Cashback |
| Transfer partners | None | None |
| Airport lounges | 1 domestic visit a quarter | None |
| Spend milestones | 1 milestone | None |
| Applications | Open | Open |
| Last checked | 26 October 2026 | 26 October 2026 |

## How each one earns

### HDFC Millennia

- 1% CashPoints (cap ₹1,000/mo) · ✓ official · checked 26 October 2026
- 5% back on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ and SonyLIV, up to ₹1,000 a month · ✓ official · checked 26 October 2026

Every rule on the HDFC Millennia page: https://getbrief.cards/cards/hdfc-millennia

### SBI Cashback

- 1% offline (cap ₹2,000/cycle; overall ₹4,000/cycle combined) · ✓ official · checked 26 October 2026
- 5% on all online spend (cap ₹2,000/cycle, from 1 Apr 2026) · excluded categories earn nothing · ✓ official · checked 26 October 2026
- 5% cashback on a CRED gift card charged through Razorpay (posts as online spend, not as a gift shop) · community-verified · checked 3 October 2026

Every rule on the SBI Cashback page: https://getbrief.cards/cards/sbi-cashback


## Questions

### What is the annual fee of HDFC Millennia and SBI Cashback?

As of 26 October 2026, HDFC Millennia: ₹1,000 + GST, waived at ₹1,00,000 spend per card year. SBI Cashback: ₹999 + GST, waived at ₹2,00,000 spend per card year.

### Which charges less on spend abroad, HDFC Millennia or SBI Cashback?

As of 26 October 2026, both charge a 3.5% markup: ₹4,130 on ₹1,00,000 spent abroad, GST included.

### Do HDFC Millennia and SBI Cashback come with airport lounge access?

As of 26 October 2026, HDFC Millennia: 1 domestic visit a quarter. SBI Cashback: no airport lounge access.


## Other cards side by side

- [HDFC Regalia Gold vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia)
- [HDFC Regalia vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-millennia)
- [HDFC Millennia vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-millennia-vs-hdfc-diners-privilege)
- [HDFC Millennia vs HDFC MoneyBack+](https://getbrief.cards/compare/hdfc-millennia-vs-hdfc-moneyback-plus)
- [SBI Cashback vs SBI SimplyCLICK](https://getbrief.cards/compare/sbi-cashback-vs-sbi-simplyclick)
- [SBI Cashback vs Flipkart SBI Card](https://getbrief.cards/compare/sbi-cashback-vs-flipkart-sbi)
- [SBI Cashback vs Axis Bank ACE](https://getbrief.cards/compare/sbi-cashback-vs-axis-ace)
- [HDFC Tata Neu Plus vs HDFC Millennia](https://getbrief.cards/compare/hdfc-tata-neu-plus-vs-hdfc-millennia)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/hdfc-millennia-vs-sbi-cashback