Head-to-head · 🇮🇳 India
HDFC Millennia vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 6 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 3 of 10
Verdict
HDFC Millennia wins 6-3. Online shoppers spending ₹15K–50K/month SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | HDFC Millennia | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹1,000 | · ₹4,999 |
| Joining fee | ₹1,000 | · ₹4,999 |
| Top reward rate | · 5% (shopping) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 20,000 Air India reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹500,000 / yr |
| Min income | ₹420,000 | · ₹1,200,000 |
| Min credit score | 750 | · 780 |
| Editorial rating | 4.6/5 | · 4.3/5 |
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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›HDFC Millennia vs SBI Air India Signature: which is better?
HDFC Millennia wins on more dimensions (6 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, SBI Air India Signature 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. SBI Air India Signature: 20,000 Air India reward points.