CARD VS CARD · 28 APPS COMPARED

HDFC Millennia vs Cashback SBI

Short answer

HDFC Millennia earns more on 2 of the 28 apps Pickkard covers, Cashback SBI on 17, and they earn the same on 9. Choose HDFC Millennia if you spend most on Airtel Thanks and ixigo. Choose Cashback SBI if you spend most on AJIO, Apollo 24|7 and BigBasket. Cashback SBI has the lower annual fee (₹999 against ₹1,000).

Fees and basics

	HDFC Millennia	Cashback SBI
Bank	HDFC Bank	SBI Card
Network	Visa, Mastercard	Visa
Still issued?	Yes	Yes
Joining fee	₹1,000	₹999
Annual fee	₹1,000	₹999
Fee waiver	Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.	Renewal fee reversed after ₹2,00,000 of spend in the previous card year.
Rewards paid as	Reward Points	Cashback
Apps where it earns more	2	17

App by app

What each card earns in each app; ✓ marks the higher reward.
App	HDFC Millennia	Cashback SBI
Airtel Thanks	✓ 1% as Reward Points	Earns nothing here
AJIO	1% as Reward Points	✓ 5% backmin. ₹100+
Amazon	5% as Reward Points	5% backmin. ₹100+
Apollo 24\|7	1% as Reward Points	✓ 5% backmin. ₹100+
BigBasket	1% as Reward Points	✓ 5% backmin. ₹100+
Blinkit	1% as Reward Points	✓ 5% backmin. ₹100+
BookMyShow	5% as Reward Points	5% backmin. ₹100+
Cleartrip	1% as Reward Points	✓ 5% backmin. ₹100+
District	1% as Reward Points	✓ 5% backmin. ₹100+
Domino's	1% as Reward Points	✓ 5% backmin. ₹100+
Flipkart	5% as Reward Points	5% backmin. ₹100+
Goibibo	1% as Reward Points	✓ 5% backmin. ₹100+
IRCTC Rail Connect	Fee is more than the reward	Earns nothing here
ixigo	✓ 1% as Reward Points	Earns nothing here
JioMart	1% as Reward Points	✓ 5% backmin. ₹100+
MakeMyTrip	1% as Reward Points	✓ 5% backmin. ₹100+
Meesho	1% as Reward Points	✓ 5% backmin. ₹100+
Myntra	5% as Reward Points	5% backmin. ₹100+
Nykaa	1% as Reward Points	✓ 5% backmin. ₹100+
PVR INOX	1% as Reward Points	✓ 5% backmin. ₹100+
Reliance Digital	1% as Reward Points	✓ 5% backmin. ₹100+
Swiggy	5% as Reward Points	5% backmin. ₹100+
Swiggy Instamart	1% as Reward Points	✓ 5% backmin. ₹100+
Tata CLiQ	5% as Reward Points	5% backmin. ₹100+
Tata Neu	1% as Reward Points	✓ 5% backmin. ₹100+
Uber	5% as Reward Points	5% backmin. ₹100+
Zepto	1% as Reward Points	✓ 5% backmin. ₹100+
Zomato	5% as Reward Points	5% backmin. ₹100+

Questions people ask

Which is better, HDFC Millennia or Cashback SBI?

Which has the lower fees, HDFC Millennia or Cashback SBI?

HDFC Millennia: joining ₹1,000, annual ₹1,000 (Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.). Cashback SBI: joining ₹999, annual ₹999 (Renewal fee reversed after ₹2,00,000 of spend in the previous card year.).

Can I use both HDFC Millennia and Cashback SBI?

Yes. Many people keep both and use each where it earns more: HDFC Millennia on Airtel Thanks and ixigo, Cashback SBI on AJIO, Apollo 24|7 and BigBasket. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.