Head-to-head · 🇮🇳 India
HDFC Millennia vs IRCTC SBI Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 5 of 10
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 3 of 10
Verdict
HDFC Millennia wins 5-3. Online shoppers spending ₹15K–50K/month IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | HDFC Millennia | IRCTC SBI Premier |
|---|---|---|
| Annual fee | ₹1,000 | · ₹1,499 |
| Joining fee | ₹1,000 | · ₹1,499 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 3.5% | · 4% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 1,500 IRCTC reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | · ₹420,000 | ₹360,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
FAQ
›HDFC Millennia vs IRCTC SBI Premier: which is better?
HDFC Millennia wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, IRCTC SBI Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. IRCTC SBI Premier: 1,500 IRCTC reward points.