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	Cashback SBI Card	HDFC Millennia
Best Suited for	💰 Cashback 🛍️ Online Shopping	💰 Cashback 🛍️ Online Shopping
Fee Details	Joining Fee: ₹999 Annual/Renewal Fee: ₹999 NA	Joining Fee: ₹1,000 Annual/Renewal Fee: ₹1,000 NA
Welcome Benefit	NA	🎁 Bonus 1,000 cash points on joining fee payment
Reward/Cashback Rate	5% cashback on all online spends without any merchant restriction, up to Rs. 2,000 per month 1% cashback across all offline spends, up to Rs. 2,000 per month Cashback will be auto-credited into the statements within 2 days of statement generation	5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato 1% cashback up to 1,000 cash points/month on other spends
Lounge Access	NA	Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends
Pros	Up to 5% cashback on card spends Cashback benefits come without any merchant restrictions No hassle of point conversion as cashback is auto-credited into the statement Easily achievable renewal fee waiver	Up to 5% cashback on major lifestyle-related online spends Bonus points worth the joining fee on activation Multiple redemption options with redemption value of up to 1:1 Annual fee waiver condition is quite easily achievable
Cons	Monthly capping on cashback earnings No significant additional benefits like complimentary airport lounge access or welcome bonus	Monthly capping on cashback earning Low cashback rate for non-accelerated category Exclusion of major everyday spends like utilities and rent from cashback earning Lounge access benefit is optional and spend-based
Who should get this card?	People who shop across multiple online brands and prefer flat cashback without any merchant or category restrictions	Those who frequently spend online across partner brands.