SBI Cash Back Credit Card vs HDFC Millennia Credit Card || SBI Cash Back Detailed Review
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- Опубликовано: 14 сен 2022
- SBI Cash Back Credit Card Detailed Review || SBI Cash Back vs HDFC Millennia Credit Card
Since the launch of SBI Cash Back Credit Card, it has become the talk of town - some people are claiming it to be the best Cashback Credit Card while a few others are claiming this card to be a Scam.
What is the reality of this card? Is it the best cash back credit card out there? And how does it compare it to the previous best cash back credit card - HDFC Millenia Credit Card? Watch this video to understand answers to all these questions
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HDFC millenia is indeed a good card but in Delhi for airport lounge access, it's eligible on one out of three terminals only, for lounge access IDFC cards are way ahead
Thumbnail is very attractive.
Thanks for giving us unbiased opinions as always.
❤️From your fan
You are doing an excellent job. Congrats on the channel. We do work here in Brazil regarding problems that happen, and users don't know what to do.
Sbi card is easy to apply, I applied and got the card activated in like 10-15 mins and I used it right away. Never thought the process would be that simple. I am simply amazed how well SBI CARD is functioning. It shows the amount spent right away and the dashboard is very good. Compared to ICICI Bank and HDFC bank I liked SBI Card. Axis bank is also good as it shows realtime data just like SBI Card. It shows the power of SBI if it wants to really focus on customer experience.
But where will be the cashback credited?? please share, as it written on the website that it will credit to sbi account?
@@Akshay.Agarwal1402 i think for me it got offset with the outstanding amount
Sbi has the worst customer service ever
@@Ironmannew its SBICARD not SBI, I faced issues with SBI but SBICARD is very very good. Compared to all credit cards SBICARD is straight forward and it will show instant utilized amount(very quick) and cashback gets reflected within days.
From where did you applied the card??
Congrats on 1 Million!
As far I know, HDFC convert the earned points in CASH but SBI offer market place of its own for purchasing utility goods against the earned points i.e. forced purchase.
It happens only on selected SBI Cards, This Cashback card from SBI directly gives you Cashback which you will be getting as cash on Statement generation. Total Bill - Cashback earned = Amount You have to Pay now.
HDFC Back will give cash back as reward points and we need to redeem it with minimum 500 and also charge 99 + GST to redeem but with this new SBI Card Cash Back is directly credited in next bill cycle which is way better then HDFC
HDFC downgraded me to millenia diners club after they closed down diners club miles. Reward conversion is lower than its predecessor, which is a loss for me. I have instead shifted to Axis Flipkart which offers me better deal 1.5% on offline payments.
Insurance Premium pay online karne par kya cashback milega in SBI Cashback card?
Another advantage of SBI card is
Any only purchase..
I do around 4-5k big basket/zepto shopping every month..
So that will be covered too..
Also lot of shopping online from less popular sites for car/ bike accessories ..
@rohit singh i had a doubt..suppose in great indian sale amazon is giving 10% cashback to sbi credit card ..i bought an product of 10,000 rs ..so amazon is giving me the product for 9000 rs and Will SBI Give additional 5% for that 9000 rs spent ??
Congrats for 1 M subscribers 👍🏻🙂🙂😎🙏
Congratulations for 1M 💙
HDFC Back will give cash back as reward points and we need to redeem it with minimum 500 and also charge 99 + GST to redeem but in SBI Cash Back is directly credited in next bill cycle which is way better then HDFC
Congratulations for 1M subscribers 🎉🎉🎉
Congratulations for 1 million subscribers ☺️☺️
Have a small query if I swap my existing sbi cc what is its effect in cibil report. As in my card date would be this new card date or it would show that I'm having SBI card since long?
Thank you very much Madam! You are doing an excellent job. While all the other credit card channels are going ga-ga over SBI CASHBACK CARD you have pointed out prudently that the truth is quite complicated. Please keep it up.
Thora samjhao sir, whats the hidden truth you have uncovered.
Every once a while, one might have bulky purchases, where sbi's cb limit will be far better.
There are some more hidden benefits of sbi cb cc but I'll keep my mouth shut, i dont want everyone to uncover it and then sbi starts blocking it
@@manishtripathi3751 I haven't discovered any hidden truth.
Didi i am currently thinking of buying a laptop on EMI from Flipkart should we go with Flipkart axis credit card or Amazon ICICI card
Congratulations for 1M subs🎉🎉
Maidam apke review ka hi intezar tha
I am using hdfc millennia card from last one year. And in the last one year i got 1500 cash back and 3k+ reward points which was equivalent to 3k+ rupees. I just love hdfc millennia card. they also charged me 1k renewal fee.
If you're a salaried employee, & got a corporate benefit, then ur hdfc millennia card is free for lifetime.
Is this cashback directly credited to your card or you receive as points ?
@@satyakipradhan2359 you receive them as points but you can convert them to rs anytime you want.
@@satyakipradhan2359 you'll receive the reward points but you can convert it into cashback
After how much time from transaction cashback will credited for millenia? And hdfc claims 1 % cashback for every other spend what does it mean ?
For HDFC card we have to spent 1 lakh every year or in just starting first year to wave off the fee?
This information is very important for me... thanks....
also currently HDFC Millennia is being made lifetime free if you spend 50K in 3 months of issuance
m using HDFC millenia from last 3 years ...its worth bcoz that give us reward points n value is equal to 1 rupees and also getting so much 1000 vouchers based on ur usages.
Ho gaye 1M congo🎉🎉🎉
What is the min. Spending needs to be done for 5% rewards point eligibility on partner brands
Congratulations for 1M 🎉
Ease of redeeming cashback bhi add kar diya karo while comparing cards... For e.g: axis Flipkart... Cashback directly aa jaata hai card mai, there is no expiry also. Also, for hdfc... We have to go through smartbuy portal vs Flipkart axis mai there is no such limitation.
I was waiting for this comparison 😅
Please share if these two offer Balance Transfer facility as well, if they do, how we go about it in each.
Please make a separate video on Credit Card Balance Transfer processes in Credit Cards.
There is a Shorts that i have seen but process is not shared.
We will be waiting, thanks.
Just one more correction HDFC melinea card has removed from Amazon so no 5% on Amazon now and for flipkart it is reduced to 3% go and check the new terms conditions now
It's quite possible the bank did it. Even SBI removed the point on Amazon pay wallet transaction in SimplyCKICK card.
Yes
point to the T&C URL if you have one. Still I belive 5% reward points on Amazon & Flipkart. not in HDFC SmartBuy
Congratulations for 1m ✨
Can we get 5% off on paying premium online of LIC or Tata AIA term life insurance with SBI cash back card??
Mam actually I have made payment from cred through UPI mode
In cred it shows payment successful later the idfc credit card they dint receive money later 20 days cred send the refunded amount
Actually bez of cred I have loss late fee and also cbil impact what should I do
hi mam, plz make a detailed video on personal loan, how can we reduce emi , and is there any option to decrease repayment of loan ?
Can you double check the golf offer on millennia, i have MasterCard millennia and I don't think that this offer is available
SBI reduces the total limit of a particular card by 10-20k without informing the customer due to god knows what reasons at certain time which forced me to switch to hdfc millennium card which is way btr than SBI
Do we get 5% cashback on flight tickets if we book through skyscanner application?
Pos pr swipe krne pr sbi cashback milega ya nh?
Or isme koi limit h kya?? Kindly reply
i did not get the lounge access on Goa and Delhi airport for HDFC millenia so not really sure what to do with 8 domestic louncge accesses. :(
HDFC Milenia vs HDFC Regalia, which card would you recommend?
any idea of cashback % on online vs offline pos transaction difference ?
Ma'am best offline spending card reward / cb % se kaun sa hai
Congratulations for 1M
What about insurance premiums, which card gives 5% cashback if premium paid online.
Her acting skill is so insane ❤️
Moreover SBI have advantage because we can also ask big offline brands or stores to send payment link online, which will give 5% cashback. Like on stores like trends or car service centre or Insurance or stores like croma and Vijay sales etc.
Can we ask for online payment link to pay by sbi cashback card at trends?
@@mysavingclub yes!
All national level franchise provides that option.
@@auto_nomad That's new information, thanks for adding up!!!!
Also those who have crossed 40 can't have MILLENNIA CARD.
What's payment link? Any demo video you can share?
Hats off to Bekifayati... Personal finance sector is usually dominated by men.. you are doing excellent work..
Explaining personal finance and hacks in simple and useful ways!!.
And may i say.. u look super cute 😊
Kisi ke pass already millenia hai to kya usko fir bhi sbi card apply karna chahiye? Mere already spend around 20-30k jata hai saal m 5-7 months.
I've taken sbi cashback credit card few days back and will use in diwali sale on flipkart and amazon let's see how my experience going to be
Hi, thanks to your videos. I got a lot of insights through ur videos.
I am new to credit cards. So, could u please let me know what is meant by wallet transactions?
i am using bpcl sbi rupay card can i apply for sbi cashback card and what is maximum limit of credit card from one bank
One question: Axis myzone card gives 3x edge rewards points...how much is it when converted to real money in rupees?? And pls fo a comparison between axis Flipkart and axis myzone card which one us better ???....because axis and flipkart are promoting them both during this diwali shopping season
1 edge reward= 20 paisa for Axis Myzone Credit card
I have Axis Ace , HDFC Millenia and ICICI Amazon pay card , will this card beneficial for me ?
They dont tell you card limit untill you received the card. But your annual charge starts from date of approval . I received card with limit 47K with annual fee 1400+GST i.e 1700
Guy dont take sbi credit card
Pathetic experience ....no customer care support once you received the card !
One doubt during big billion days sale in millienia card get both card discount + cash or only cash back
How are life & other health insurance premium payments are treated in both the cards?
As an online spend or as a merchant spend???
Only 1%
Hello Madam,
Should I get 5% cash back on fastag recharge by using SBI cash back credit card kindly confirm plz.
Mam your camera quality is great, could you please share the details which camera you are using?
😊
Good information Mam, Thanks
Still confused about 10% instant discounts on sbi cashback card because instant discount + cashback is it for real ?
Mam I'm waiting for this video since from the launching of sbi cashback card
I've never been a fan of card with charges. Except for AmEx i don't think I paid for any card...
Mujhe amazon pe shopping krni hai.
Suppose order amount 20k.
Moneyback plus dega 10x reward points means 2500 points*0.25= 625 Rs cashback.
Millenia me kitna milega??
Hello
If I have credit card but I want to activated this
Then any problem or not???
I have HDFC Milennia, SBI cashback and Flipkart Axis Bank cards.
One important thing which happened with me recently is that the quarterly benefit on the Millennia card on spends above 1L plus needs to be redeemed within 60 days of sms being triggered else the voucher expires. This is very annoying.
The good part with HDFC card is you earn 1% cash points on EMI transaction and wallet loads as well which SBI card doesn't offer.
The good part with SBI card is you can see the accumulated cashback within 2 days from the transaction date while for HDFC it is posted after a month.
HDFC card offers you maximum 2000 cash points per month under 5% category and 1% category
Hi, Do we get 5% cashback in SBI cashback card for Insurance payment.?
I pay around 3 lakhs insurance premium every year
@@jagmohankumar6519 My insurance premium is due on November this year. Can't comment at the moment but nothing specific to insurance payment mentioned in their terms and conditions. I usually use CRED APP for utility payments so for broadband and electricity bills SBI card is giving 1% cashback at the moment.
@@sunilkumarmajhi5455 thanks for your reply.
I went through their terms and conditions and wanted clarity on the same. I have requested them to update me for the same.
Regarding bill payments, I would suggest you to please pay directly at the Merchant website.
I have simply Click SBI card, and sometimes when I paid Via Cred fory utility bills, i did not get the reward points because of Merchant category code.
@@jagmohankumar6519 Yes SimplyCKICK has lotta restrictions. When I got the card in the initial days I used to get points on Amazon Pay wallet load. Then it was removed after a couple of months.
@@saktibiswal6445 yes, wallet transaction does not yield reward points.
But I primarily use it for insurance premium payments and getting milestone vouchers
Online insurance payments will it give 1% or 5% cashback
CREDIT CARD USE NAHI KIA ABHI TAK.....still using Visa Debit card.Nyc video
Recently my card was upgraded to this HDFC Millennia card and after the launch of this SBI Card looking at the offers I too applied and is approved.. looking forwards for a good experience with it. Cheers!!
Limit kitni?
@@betum6407 limit is good.. around 2 lakhs but this SBI Card even after getting approved in first few days of applying, after two months also card not dispatched yet!!
HI Bekifaayati i Regularly watch your Videos and in this videos i know about Cash Voucher After that i checkd my eamil Approx 5000 Cash back vouscher already send HDFC to my mail but Unfornatulley all voucher are expired. Is there any ways to ask for Renew some vouchers plz suggest
If i pay my insurance premium through paytm or amazon pay with milkenium card will i get cashback
Didi congratulation you completed 1 million subscribers
Does any one of this card gives cashback of 5% for lic payments?
Bekifaayti, I have uploaded a bank statement for applying Amazon pay ICICI . And this statement includes my CIF NUMBER OF SBI . Is it safe or not ? Please tell me because it is my primary account in which salary comes.
I got AmazonPay ICICI 3 days ago. They haven’t asked me to upload bank statement. Card got approved with huge limit.
Can someone Tell me how to use and where to use The Cashback that we get on using the Sbi cashback credit card ??
SBI vidio kyc link pe share code mang Raha hai share code kaya hota hai mem please bataye
I have hdfc iocl credit card with 25k limit.
It's been 3 months and i want to upgrade the limit and Card type to millenia.
My Cibil is more than 750 and Salary is approximately 18k. Age is 18
Aap bina makeup k hi atche lagte ho.. Makeup hides ur natural cuteness 😍
You should clarify points & cashback amount in rupees.
SBI CASHBACK CREDIT CARD par any JWELLERS main offline swipe 💳 karte hai to 1% Cashback milega ya nahi ???
Can you please confirm updated Pratol surcharge waiver limit in HDFC Millenia credit card
1 million soon 🔥🔥
Note: Instant Discount offer not applied at Amazon, if you shop with SBI Cashback Card.
Mojhe SBI cashback credit ki information chahiye. Mene SBI Bank main jake contact kiya, o lok bolrahahe ki utility bill main 1-1.5% cashback milega but mene kafi video pe dekha ki bill payment main 5% cashback milega. Mera question ye hai ki, Keya utility bill main 5% cashback milega or milega to konsa method se milega??????
What is the minimum transaction amount we have to spend in Millenia card in order to get 5% cashback on Amazon and Flipkart?
Not sure about Flipkart but there's no minimum spend on Amazon...
flipkart pe 3% hi hain and amazon pe bhi 5% nhi hain ab
Hdfc reward points value is 1 rs for 1 point ,,but what is the rewards points value of Sbi Cashback card
I have filled a ITR of way more than 3.6 lakh as a self Employed
Cibil is 750+
Already a SBI Customer since last 6 years
Tab bhi application reject hogya?
Ham freelancers ki koi izzat nai😣
Max 3 SBI card per customer
You should apply with HDFC and AXIS..... they will treat you better and will offer better products. SBI CARD has SBI. IF YOU KNOW... YOU KNOW...
@@8desperado HDFC Rejected my Application, But got Flipkart-Axis Card
What about redemption charges in hdfc millennia cards?
Online Insurance premium pe 5% cashback milega kya ?
Hiii
How to apply for sbi cash back credit card?
Unable to find anything on their website
Mam jo business man 5 month hua hai business open kiye yo credit card apply nhi kar sakta hai. Itr v nhi h.
need comparison on Bob eterna and HDFC regalia.
Can we use HDFC millennia cards in Google pay/ PhonePe?
Also i want to know if HDFC charges for card swipes?
NO, GooglePay does not support diners card
addicted to your voice😍
M a beginner... i pay monthly 12500 for ppf, 4500 for term plan, 3000 for sbi life... moreover buy physicall gold often... which card shud i go for... I hv shortlisted hdfc millenia as well as sbi cashback till now... plzz any expert, if can guide me...
Thanks bekifaayati girl 👧 🥳🤩
I guess you forgot to mention the cashback value in RS like HDFC hav 1poitns =1 Rupees.
What about SBI???
Hdfc millennia card per insurance ka primium pay karne per b koi cashback milta hai??
Please make a video on how to deal with rejected health insurance claim