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Cashback SBI Card Vs. HDFC Bank Millennia Credit Card

Cashback SBI Card

Cashback SBI Card

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

Comparison of Cashback SBI Card and HDFC Bank Millennia Credit Card

Feature
Cashback SBI Card
HDFC Bank Millennia Credit Card
Annual Fee
₹999 + Applicable Taxes
₹1,000 + GST
Joining Fee
₹999 + Applicable Taxes
₹1,000 + GST
Welcome Benefits
N/A
N/A
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
  • •Exceptional Online Cashback
  • •Hassle-Free Auto-Credit
  • •Milestone Benefit
  • •Fuel Surcharge Waiver
  • •Welcome Bonus
  • •Cashback on Top Merchants
  • •Universal Cashback
  • •Quarterly Vouchers
  • •Annual Fee Waiver
Dos
  • Prioritise the card for online expenditure to consistently achieve the highest 5% cashback rate.
  • Pay the credit card bill in full and on time to avoid accruing interest and to maintain a positive credit history.
  • Track annual spending to ensure the ₹2,00,000 milestone is reached for the renewal fee reversal.
  • Utilise the Contactless feature for fast, convenient, and secure small-value transactions.
  • Opt for the Balance Transfer on EMI facility to consolidate high-interest credit card debt from other issuers.
  • Use the card on top partner merchants to earn maximum 5% cashback
  • Pay the entire outstanding amount by the due date to avoid interest charges
  • Track CashPoints regularly and redeem them for best value options
  • Plan quarterly spending to reach ₹1 lakh threshold for gift vouchers
  • Keep the card secure and report loss or theft immediately to the bank
Don'ts
  • Ignore the specific categories of expenditure that are excluded from the cashback earning structure.
  • Miss the minimum payment due date, which can result in late payment charges and a negative impact on the credit score.
  • Overspend beyond the capacity to repay, as credit card debt can accrue interest quickly.
  • Share sensitive card details, such as the PIN or the full card number/CVV, with untrusted third parties.
  • Use the card for cash advances unless absolutely necessary, as these often incur higher charges and interest from the transaction date.
  • Avoid overspending beyond repayment capacity just to earn cashback or reach milestones
  • Do not pay only the minimum amount due regularly as interest accumulates on balance
  • Ignore transaction alerts or monthly statements; review them promptly for accuracy
  • Share card details, CVV, PIN, or OTP with anyone, including people claiming to be bank staff
  • Use the card for cash withdrawals unless absolutely necessary due to high charges

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