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Side-by-Side Comparison|Updated March 2026

SBI Card AURUM vs HDFC Bank Millennia Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card AURUMHDFC Bank Millennia Credit Card
Annual Fee₹9,999₹1,000
Joining Fee₹9,999₹1,000
Fee Waiver Spend₹12,00,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyAURUM Reward PointCashPoints
NetworkVisaVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card AURUM

No accelerated rewards listed

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

Our Verdict

Both SBI Card AURUM and HDFC Bank Millennia Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Choose HDFC Bank Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Frequently Asked Questions

Which is better: SBI Card AURUM or HDFC Bank Millennia Credit Card?
Both SBI Card AURUM and HDFC Bank Millennia Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between SBI Card AURUM and HDFC Bank Millennia Credit Card?
SBI Card AURUM has an annual fee of ₹9,999, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card AURUM or HDFC Bank Millennia Credit Card?
SBI Card AURUM offers a base reward rate of 1%. HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both SBI Card AURUM and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card AURUM and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card AURUM or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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