Head-to-head · 🇮🇳 India
HDFC Millennia vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 5 of 10
IN
SBI Card
SBI Prime
Wins 1 of 10
Verdict
HDFC Millennia wins 5-1. Online shoppers spending ₹15K–50K/month SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | HDFC Millennia | SBI Prime |
|---|---|---|
| Annual fee | ₹1,000 | · ₹2,999 |
| Joining fee | ₹1,000 | · ₹2,999 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| 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 | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹100,000 / yr | · ₹300,000 / yr |
| Min income | ₹420,000 | · ₹480,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›HDFC Millennia vs SBI Prime: which is better?
HDFC Millennia wins on more dimensions (5 vs 1). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).