SBI IRCTC RuPay vs HDFC Millennia

Compare SBI IRCTC RuPay vs HDFC Millennia across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Millennia leads on reward rate, while SBI IRCTC RuPay has the lowest annual fee.

Card 1

SBI IRCTC RuPay

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.2.3

Card 2

HDFC Millennia

Monthly spenders who want visible cashback without chasing complex reward conversions.9.8

Balanced value2.3

sbi / RUPAY

SBI IRCTC RuPay

Annual

₹299

Return

1.5%

Lounges

Forex

3.5%

Card summary

SBI IRCTC RuPay leans travel and lifestyle with ₹299 annual fee, 1.5% headline return potential, and 0 lounge access.

Pros

Strong benefit ceiling if you recover the ₹299 annual fee.
1.5% reward rate can outperform flat cashback for loyal users.
Simple everyday positioning without premium travel complexity.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Balanced value9.8

hdfc / VISA

HDFC Millennia

Annual

₹1,000

Return

Lounges

Forex

3.5%

Card summary

HDFC Millennia leans cashback-first with ₹1,000 annual fee, 5% headline return potential, and 4 lounge access.

Pros

Strong benefit ceiling if you recover the ₹1,000 annual fee.
5% cashback keeps value easy to understand.
4 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

SBI IRCTC RuPay

HDFC Millennia

Fees

Annual fee

₹299

₹1,000

Joining fee

₹299

₹1,000

Rewards

Cashback rate

0.75%

Reward rate

1.5%

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹1,50,000

₹6,00,000

SBI IRCTC RuPay vs HDFC Millennia

Futuristic side-by-side card intelligence

SBI IRCTC RuPay

HDFC Millennia

Top Credit Card Comparison Links