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Side-by-Side Comparison|Updated March 2026

Swiggy HDFC Bank Credit 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.

HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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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

FeatureSwiggy HDFC Bank Credit CardHDFC Bank Millennia Credit Card
Annual Fee₹500₹1,000
Joining Fee₹500₹1,000
Fee Waiver Spend₹2,00,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashPoints
NetworkMastercardVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 pts/month

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

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 Swiggy HDFC Bank Credit Card 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 Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

Choose HDFC Bank Millennia Credit Card if

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

Frequently Asked Questions

Which is better: Swiggy HDFC Bank Credit Card or HDFC Bank Millennia Credit Card?
Both Swiggy HDFC Bank Credit Card 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 Swiggy HDFC Bank Credit Card and HDFC Bank Millennia Credit Card?
Swiggy HDFC Bank Credit Card has an annual fee of ₹500, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Swiggy HDFC Bank Credit Card or HDFC Bank Millennia Credit Card?
Swiggy HDFC Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). 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 Swiggy HDFC Bank Credit Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Swiggy HDFC Bank Credit Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Swiggy HDFC Bank Credit Card or HDFC Bank Millennia Credit Card?
For beginners, Swiggy HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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