Head-to-head · 🇮🇳 India
HDFC Millennia vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 4 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Millennia | SBI IRCTC Premier |
|---|---|---|
| Annual fee | ₹1,000 | · ₹1,499 |
| Joining fee | ₹1,000 | · ₹1,499 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | · ₹420,000 | ₹300,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | 4.6/5 | · 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›HDFC Millennia vs SBI IRCTC Premier: which is better?
It's a true tie — pick the one whose boost categories match your spend. HDFC Millennia wins on 4 criteria, SBI IRCTC Premier on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, SBI IRCTC 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. SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.