All credit cardsRates verified 26 Jul 2026Rates verified 26 Jul 2026
HDFC Millennia vs SBI Unnati (Secured)
Quick answer
SBI Unnati (Secured) wins this comparison on 3 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
HDFC Bank
HDFC Millennia
Visa · Mastercard
SBI Card
SBI Unnati (Secured)
Visa
Our pick
SBI Unnati (Secured) edges it for most people.
It wins on 3 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | HDFC Millennia | SBI Unnati (Secured) |
|---|---|---|
| Annual fee | ₹1,000 | ₹499 ✓ |
| Top reward rate | 5% ✓ | 0% |
| Lounge visits/yr | 4 (gated) ✓ | 0 |
| Forex markup | 4% | 4% |
| APR (per year) | 45% | 42% ✓ |
| Min income/mo | ₹30,000 | None ✓ |
No paid placement. Approval and final terms come from the issuer's key fact statement.
Common questions
- Which is better: HDFC Millennia or SBI Unnati (Secured)?
- SBI Unnati (Secured) edges this MoneyRadar comparison because it wins more of the fee, reward, lounge, forex and APR checks. Still choose the card that matches your biggest spend category.
- How should I choose between HDFC Millennia and SBI Unnati (Secured)?
- Start with annual fee and fee waiver, then compare rewards on your top two spend categories, lounge access only if you actually travel, and forex markup if you spend internationally.
- Should I carry a balance on either credit card?
- No. HDFC Millennia and SBI Unnati (Secured) both charge high credit-card APRs when you revolve a balance. Pay the full bill monthly; interest can wipe out rewards many times over.