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SBI Cashback Credit Card vs Axis Bank ACE Credit Card vs Amazon Pay ICICI Credit Card vs HDFC Millennia Credit Card - Part 2

 If you are looking for a credit card that offers cashback on your spending, you might be interested in comparing four popular options: SBI Cashback Credit Card, Axis Bank ACE Credit Card, Amazon Pay ICICI Credit Card and HDFC Millennia Credit Card. These cards offer different rates of cashback on various categories of transactions, as well as other features that differentiate them such as interest-free period, fuel surcharge waiver, lounge access and insurance cover. In this blog post, we will compare these four cards based on their features and benefits, and help you decide which one suits your needs best.


SBI Cashback Credit Card

The SBI Cashback Credit Card is a newly launched card that offers up to 5% cashback on all online transactions and 1% cashback on all other offline and utility payments. The cashback earned with the card is automatically adjusted in the next month's statement. The card has an annual fee of Rs. 999, which can be waived off if you spend Rs. 2 lakh or more in the previous year. The card also offers four complimentary domestic airport lounge visits per year, one per quarter.


Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card is another popular cashback card that offers up to 5% cashback on transactions made on Google Pay, partner merchants (like Swiggy and Zomato), and on all other spends. The cashback earned with the card is credited to your savings account every month. The card has a low annual fee of Rs. 499, which can be waived off if you spend Rs. 2 lakh or more in a year. The card also offers four complimentary domestic airport lounge visits per year, one per quarter.


Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card is a co-branded card that offers up to 5% cashback on purchases made on Amazon.in and select partner merchants. The cashback earned with the card is credited to your Amazon Pay balance every month. The card has no annual fee or joining fee. The card also offers fuel surcharge waiver of 1% on fuel transactions up to Rs. 4000 per month.


HDFC Millennia Credit Card

The HDFC Millennia Credit Card is a lifestyle card that offers up to 5% cashback on online transactions and 2.5% cashback on offline transactions. The cashback earned with the card is credited as reward points, which can be redeemed for cash or vouchers. The card has an annual fee of Rs. 1000, which can be waived off if you spend Rs. 1 lakh or more in a year. The card also offers a free one-year membership of Zomato Pro, which gives you discounts and priority delivery on food orders.


Comparison Table


Conclusion

As you can see, each of these cards has its own advantages and disadvantages depending on your spending pattern and preferences. If you shop mostly online, the SBI Cashback Credit Card and the HDFC Millennia Credit Card offer the highest cashback rate of 5%. However, the SBI Cashback Credit Card has a higher annual fee and a lower cashback limit than HDFC Millennia Credit Card.

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