{"id":3272,"date":"2026-01-11T19:30:00","date_gmt":"2026-01-11T14:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=3272"},"modified":"2026-01-09T16:43:40","modified_gmt":"2026-01-09T11:13:40","slug":"hdfc-millennia-vs-sbi-cashback-card-which-is-the-best-credit-card-for-cashbacks-in-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/hdfc-millennia-vs-sbi-cashback-card-which-is-the-best-credit-card-for-cashbacks-in-2026\/","title":{"rendered":"HDFC Millennia vs SBI Cashback Card: Which Is the Best Credit Card for Cashbacks in 2026?"},"content":{"rendered":"\n
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Synopsis:<\/strong> Cashback credit cards are one of the best financial tools to save money. In 2026, two of the most popular cashback cards are the HDFC Millennia Credit Card and the SBI Cashback Card. This article compares benefits and rewards each card offers for maximum savings<\/em>.<\/p>\n<\/blockquote>\n\n\n\n

Cashback cards have become popular because it literally gives you return for almost everything for regular spending. You order food, shop online, pay bills, and earn 1% to 5% back every time. But not every cashback card rewards you the same way, some may reward based on the partnered brands while others may not have such rules and you can get cash points no matter what you spend on. That difference decides which card actually saves you more money.<\/p>

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Here is what you need to know about the difference between the two popular cashback credit cards HDFC Bank Millennia Credit Card and SBI Card Cashback Card.<\/p>\n\n\n\n

Quick Comparison Table<\/strong><\/h2>\n\n\n
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Card Overview<\/strong><\/h2>\n\n\n\n

HDFC Millennia Credit Card<\/strong><\/a><\/h3>\n\n\n\n
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HDFC Millennia Credit Card is for users who spend regularly on popular online brands. It works best if most of your shopping, food delivery, and travel bookings are done on their partnered brands like Amazon, Swiggy etc. The joining fee and the renewal fee of the card is \u20b91000 with extra taxes. But, the annual fee is fully waived if you spend \u20b91 lakh or more in a year which is not a big deal if you shop often.<\/p>\n\n\n\n

Eligibility: <\/strong>The applicant should be an Indian citizen aged 21 years or above with a stable income and a good credit profile. For a salaried individual the required monthly income is above \u20b935000 and the minimum ITR for a self-employed person should be above \u20b96 Lakh per annum.<\/p>

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SBI Cashback Card<\/strong><\/a><\/h3>\n\n\n\n
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SBI Cashback Card is built for people who want straightforward cashback without tracking brands or categories. Whether you shop on big platforms or smaller websites, online spends earn the same cashback. The joining fee and the annual fee are \u20b9999 plus applicable taxes. The renewal fee is waived only if your annual spending crosses \u20b92 lakh and above which is quite higher than the HDFC card.<\/p>\n\n\n\n

Eligibility:<\/strong> People who are Indian residents above 21 years with a stable income and strong credit history can apply. Approval depends largely on credit score and repayment behaviour.<\/p>

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1. Key Benefits<\/strong><\/h2>\n\n\n\n

HDFC Millennia Credit Card<\/strong><\/h3>\n\n\n\n