Cashback SBI Card vs. HDFC Millennia Card: Ek Detailed Comparison

Sahi credit card chunna kai factors par depend karta hai, jaise fees, benefits, aur cashback offers. Is comparison mein, hum Cashback SBI Card aur HDFC Millennia Card ke details mein ghusenge, taki aap apne spending habits aur preferences ke hisab se informed decision le sakein.

Joining & Renewal Fee:

Cashback SBI Card: ₹999 + taxes (waived off with ₹2 lakhs spending in the previous year)

HDFC Millennia Card: Rs.1000 + taxes (waived off with ₹1 lakh spending in the previous year)

Dono cards mein joining aur renewal fees lagbhag same hain, lekin waiver conditions alag hain. SBI Card ke liye ₹2 lakhs ka spending chahiye, jabki HDFC Millennia Card ke liye ₹1 lakh ka spending hona zaroori hai.

Welcome Benefits:

Cashback SBI Card: None HDFC Millennia Card: Rs.1000 Gift Voucher

HDFC Millennia Card welcome benefits mein sikhne ko milta hai, jisme Rs.1000 ka Gift Voucher shamil hai, jo naye cardholders ke liye immediate value deta hai.

Renewal Benefits:

Cashback SBI Card: None HDFC Millennia Card: None

Dono hi cards renewal benefits nahi offer karte, jo ki cashback cards mein common hota hai.

Non-Spend Based Benefits:

Cashback SBI Card: None HDFC Millennia Card: Saal mein aath airport domestic lounge visits (Capped at 2/Quarter)

HDFC Millennia Card non-spend based benefits mein standout hai, jo cardholders ko travel perks ke liye airport lounge visits provide karta hai.

Spend-Based Benefits:

Cashback SBI Card:
  • 5% cashback on online spends
  • 1% cashback on offline spends
  • Maximum cashback of ₹5000 per statement cycle on online & offline
  • No cashback on fuel, wallet load, rent, jewelry, education, railways, utilities, insurance, gift cards, EMI transactions, and cash withdrawal.

Cashback SBI Card spend-based benefits mein online aur offline spends par cashback offer karta hai, lekin kuch specific transactions par cashback nahi milta.

HDFC Millennia Card:
  • 1% cashback on all spends including wallet load (capped at Rs.1000 per billing cycle)
  • 5% cashback on amazon, bookmyshow, cultfit, flipkart, myntra, sonylive, swiggy, tatacliq, uber, zomato spends (capped at Rs.1000 per billing cycle)
  • No cashback on government transactions, rent, fuel, and cash withdrawal.
  • Through SmartBuy platform: 10% cashback on IGP.com, 5% cashback on flights, hotels, irctc, redbus, instant voucher, apple tresor, zoomcar, nyka, 1% + 5% cashback on flipkart Gift voucher, 1% + 1% cashback on flipkart normal spends (capped at Rs.1000 per calendar month on SmartBuy platform)
  • Milestone benefits: Spending Rs.1 lakh in a quarter gets you a Rs.1000 gift voucher.

Redemption:

Cashback SBI Card: Cashback is directly added in the next statement cycle.

HDFC Millennia Card: Cashback points – 1 point = Rs.1, valid for 2 years, maximum 3000 cashback points can be redeemed in a calendar month.

Conclusion:

Dono hi cards apne-apne tareekon se unique hain. Aapko chahiye woh card chunna hoga jo aapki requirements aur spending habits ko sabse zyada match kare. Fees, benefits, aur cashback offers ko dhyan se evaluate karein aur phir ek informed decision lein.

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