Compare : Cashback SBI Card vs HDFC Millennia Credit Card

NA

Bonus 1,000 cash points on joining fee payment

5% cashback on all online spends without any merchant restriction

1% cashback across all offline spends

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

NA

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

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

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

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.