Millennia vs Cashback SBI
A factual side-by-side comparison of fees, rewards, and major benefits to help you choose the right credit card.
| Feature | Millennia | Cashback SBI |
|---|---|---|
| Issuer | HDFC | SBI |
| Annual Fee | ₹1,000 | ₹999 |
| Fee Waiver | Waived on spend of ₹1,00,000 | Waived on spend of ₹2,00,000 |
| Reward Structure | • 5% selected merchants• 1% other eligible | • 5% online• 1% offline |
DhanChakshu Comparison Summary
Both the Millennia and Cashback SBI offer distinct advantages based on your spending profile.
- Millennia has an annual fee of ₹1,000.
- Cashback SBI has an annual fee of ₹999.
Note: We do not declare a universal "best" card. The right choice depends entirely on where you spend the most. Use the Analyzer to compute exact personalized value.