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Comparison · हिन्दी

SBI Card PRIME vs HDFC Millennia

Both cards compared on real rupee returns for best mid-tier lifestyle credit card India SBI PRIME vs HDFC Millennia. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
SBI
CARD PRIME
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
Card B wins with ₹2,060 annual benefit versus Card A's -₹119 loss. The Millennia's lower fee and straightforward cashback structure delivers better value for this spend profile despite Card A's higher category rewards.
Side-by-side comparison
SBI Card PRIME HDFC Millennia Credit Card ✓
Annual benefit -₹119 ₹2,060
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹3,00,000/year spend) ₹1,000 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%) 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic + 4 international visits/year (2 per quarter each) 8 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Lifestyle spenders who want dining, grocery and movie rewards with lounge access Everyday online shopping with a modest, capped cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried) ₹3.5L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
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When each card wins
SBI Card PRIME
Card A becomes viable only if you spend ₹25,000+ monthly to waive the fee, or heavily prioritize dining and groceries where it earns 2.5% versus Millennia's 1%.
HDFC Millennia Credit Card
Card B excels for this spend profile: your ₹5,000 monthly shopping gets 2.5% cashback, the ₹1,000 fee waives easily on ₹1L annual spend, and consistent 1% on other categories beats Card A's rewards net of fees.
Who should get which card
Get SBI Card PRIME if you…
· Frequent diner with ₹8,000+ monthly dining spend
· Movie and departmental store enthusiast seeking 2.5% rewards
· High spender able to cross ₹25,000 monthly for fee waiver
Get HDFC Millennia if you…
· Online shopper earning reliable 2.5% cashback
· Budget-conscious user: low ₹1,000 fee easily waived
· Balanced spender seeking simplicity without category complexity
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
HDFC Diners Club Privilege vs SBI Card PRIME →HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
SBI Card PRIME has an annual fee of ₹2,999 + taxes (waived on ₹3,00,000/year spend). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
SBI Card PRIME offers 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%). HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping.
SBI Card PRIME lounge access: 8 domestic + 4 international visits/year (2 per quarter each). HDFC Millennia Credit Card lounge access: 8 visits/year (domestic).
SBI Card PRIME charges 3.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.