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Side-by-Side Comparison|Updated March 2026

Tata Platinum SBI Card 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

Tata Platinum SBI Card

8/10
Annual Fee₹499
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

FeatureTata Platinum SBI CardHDFC Bank Millennia Credit Card
Annual Fee₹499₹1,000
Joining Fee₹499₹1,000
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyTata Card Reward PointsCashPoints
NetworkVisaVisa
Editor Rating8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

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

HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Platinum SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Tata Platinum SBI Card if

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

Choose HDFC Bank Millennia Credit Card if

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

Frequently Asked Questions

Which is better: Tata Platinum SBI Card or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Platinum SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Platinum SBI Card and HDFC Bank Millennia Credit Card?
Tata Platinum SBI Card has an annual fee of ₹499, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Platinum SBI Card or HDFC Bank Millennia Credit Card?
Tata Platinum SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Outlets - SHOPPING and DINING. 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 Tata Platinum SBI Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Platinum SBI Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Platinum SBI Card or HDFC Bank Millennia Credit Card?
For beginners, Tata Platinum SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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